Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/
Follow us on social media:
★ Facebook: https://www.facebook.com/consolidatedcredit/
★ Twitter: https://twitter.com/ConsolidatedUS
★ Instagram: https://www.instagram.com/consolidatedcreditus/
★ Google+: https://plus.google.com/+ConsolidatedCreditCS

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

published:05 Sep 2008

views:2775

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day.
The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
we've got dozens of practical tips for you to start applying today.
Read the Full Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
MainPoints of the Video:
1:40 Step 1: Get Sick and Tired of Your Debt – Attitude is Everything
2:21 Step 2: Create a Game Plan
3:46 Step 3: Start Using a Money ManagementSystem like
- America’s Cheapest FamilyBudget System: http://bit.ly/acf_budget_book
- Mvelopes: https://www.mvelopes.com/
- Mint https://www.mint.com/
- Good Budget https://goodbudget.com/
5:23 Step 4: Get Your Credit Report Along with Your Credit Score
- Annual Credit Report gives 1 FREE credit Report (score has to be paid for) https://www.annualcreditreport.com/index.action
- Credit Sesame Credit Score free (no credit card required) http://bit.ly/credit_sesame
6:11 Step 5: Clean Up Your Credit Report
a. Money Management International negotiate with your creditors. http://www.moneymanagement.org/
b. Hiring a Credit RepairService such as Credit Repair dot com http://bit.ly/credit_repair_free_consult
- If creditors are posting old or inaccurate info on your Credit Report
- Get it fixed by talking with them / writing them or Hiring a pro – like CreditRepair.com
i. Part of Lexington Law – law firm.
ii. Experts in the credit laws.
iii. They have a 3-step process to clean up your credit.
Credit Repair will give you a FREE phone consultation to evaluate what they can do to help you.
9:17 Step 6 GenerateExtraCash
Sell unused, unneeded items
- Artwork
- Sporting equipment
- Extra Car
- Motorcycle
- RVs
- Tech – old gaming systems, computers
- DVD
- CD
- BOOKS
Collect unreimbursed Business expenses, Medical Reimbursements from HSA and FSA.
10:37 Step 7: Trim Unnecessary Expenses
- Spending less on groceries or reducing entertainment expenses such as movies and eating out.
Our Book, "Cut Your GroceryBill in Half, " https://moneysmartfamily.com/cut-your-grocery-bill-in-half/
- Auto insurance from GetMyInsurance (http://bit.ly/Get_My_Insurance) to see if you can get a lower rate. This could save you $50-$200 a month without impacting your lifestyle one bit.
Check out Trim to help you evaluate and reduce expenses (Free Service) http://bit.ly/Trim_App
Take one step at a time - you can be victorious in destroying debt forever, even if right now, you're living paycheck to paycheck.
Please leave a comment below if we can help you in any way!
Steve & Annette Economides - MoneySmartFamily.com
NY TimesBest Selling Authors and Speakers
Authors of America's Cheapest Family Gets You Right on the Money!
Learn more at http://www.MoneySmartFamily.com
Want More MoneySaving Ideas? Subscribe to our Channel https://goo.gl/vjS3zA

published:08 Nov 2017

views:1592

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

published:16 Mar 2010

views:118833

published:21 Nov 2016

views:0

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor market and the trend of more shoppers spending at online outlets, such as Amazon . 'The only way to pay online is via credit card,' she said. For those in debt, McGeehan suggests paying more than the minimum payment printed on the statement. 'If you only make the minimum payment, you're only paying the interest,' she said. 'You're not making a dent in the actual debt you have.' The minimum payment on a five-figure sum of debt may stand at just $35-$50 a month. McGeehan also advised focusing on the credit card with the highest interest rate, assuming you have multiple cards with balances. She also said credit card companies might lower the interest rate on the card, if you ask. 'They may also waive one of your late fees,' she said. Finally, McGeehan said it's crucial to develop an expense management plan. The way to track your spending is to write down all of your expenses. 'I think you'd be shocked to see what the outflows are that we're spending day-to-day,' she said, adding that a closer eye on smaller expenses can go a long way in paying off credit card debt. TheStreet's Scott Gamm has details from Wall Street.
Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV
For more content from TheStreet visit: http://thestreet.com
Check out all our videos: http://youtube.com/user/TheStreetTV
Follow TheStreet on Twitter: http://twitter.com/thestreet
Like TheStreet on Facebook: http://facebook.com/TheStreet
Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet
Follow TheStreet on Google+: http://plus.google.com/+TheStreet

published:27 May 2016

views:3499

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
WATCH MORE RELATED VIDEOS: https://goo.gl/p6IR8G
∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷
For more tips on how to get out of debt,
SUBSCRIBE ➤➤➤ http://bit.ly/1ZPZ8Q2
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▼FOLLOW ME:
LinkedIn - www.linkedin.com/in/debtbytes
Google+ - http://plus.google.com/+MichaelBovee
Twitter - http://twitter.com/debtbytes
Facebook - https://facebook.com/consumerrecoverynetwork/
▼READ OUR BLOG:
http://consumerrecoverynetwork.com
▼FIND YOUR DEBT SOLUTION:
http://consumerrecoverynetwork.com/debt-solutions-review/
▼ASK ME ANY QUESTIONS YOU HAVE:
http://consumerrecoverynetwork.com/ask-a-question/
(reader questions for our channel are selected from here)
Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

Credit card

A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

Debt

A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. The lender or creditor can be a bank, credit card company, payday loan provider, or an individual. One country can also lend money to another country. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value. For example, in Western cultures, a person who has been helped by a second person is sometimes said to owe a "debt of gratitude" to the second person.

Terms

Interest

Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually.

Many conventions on how interest is calculated exist – see day count convention for some – while a standard convention is the annual percentage rate (APR), widely used and required by regulation in the United States and United Kingdom, though there are different forms of APR.

Credit history

A credit history is a record of a borrower's responsible repayment of debts.
A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency.

In many countries, when a customer fills out an application for credit from a bank, credit card company, or a store, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files. The gathered records are then used by lenders to determine an individual's credit worthiness; that is, determining an individual's ability and track record of repaying a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid regularly and on time, and therefore focus particularly on missed payments and may not, for example, consider an overpayment as an offset for a missed payment.

Ask the Expert: "How Much Credit Card Debt is Too Much?"

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/
Follow us on social media:
★ Facebook: https://www.facebook.com/consolidatedcredit/
★ Twitter: https://twitter.com/ConsolidatedUS
★ Instagram: https://www.instagram.com/consolidatedcreditus/
★ Google+: https://plus.google.com/+ConsolidatedCreditCS

Credit Card Debt: Danger in Your Wallet - ASK THE EXPERT

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

8:10

How To Start Paying Off Debt?

How To Start Paying Off Debt?

How To Start Paying Off Debt?

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day.
The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
we've got dozens of practical tips for you to start applying today.
Read the Full Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
MainPoints of the Video:
1:40 Step 1: Get Sick and Tired of Your Debt – Attitude is Everything
2:21 Step 2: Create a Game Plan
3:46 Step 3: Start Using a Money ManagementSystem like
- America’s Cheapest FamilyBudget System: http://bit.ly/acf_budget_book
- Mvelopes: https://www.mvelopes.com/
- Mint https://www.mint.com/
- Good Budget https://goodbudget.com/
5:23 Step 4: Get Your Credit Report Along with Your Credit Score
- Annual Credit Report gives 1 FREE credit Report (score has to be paid for) https://www.annualcreditreport.com/index.action
- Credit Sesame Credit Score free (no credit card required) http://bit.ly/credit_sesame
6:11 Step 5: Clean Up Your Credit Report
a. Money Management International negotiate with your creditors. http://www.moneymanagement.org/
b. Hiring a Credit RepairService such as Credit Repair dot com http://bit.ly/credit_repair_free_consult
- If creditors are posting old or inaccurate info on your Credit Report
- Get it fixed by talking with them / writing them or Hiring a pro – like CreditRepair.com
i. Part of Lexington Law – law firm.
ii. Experts in the credit laws.
iii. They have a 3-step process to clean up your credit.
Credit Repair will give you a FREE phone consultation to evaluate what they can do to help you.
9:17 Step 6 GenerateExtraCash
Sell unused, unneeded items
- Artwork
- Sporting equipment
- Extra Car
- Motorcycle
- RVs
- Tech – old gaming systems, computers
- DVD
- CD
- BOOKS
Collect unreimbursed Business expenses, Medical Reimbursements from HSA and FSA.
10:37 Step 7: Trim Unnecessary Expenses
- Spending less on groceries or reducing entertainment expenses such as movies and eating out.
Our Book, "Cut Your GroceryBill in Half, " https://moneysmartfamily.com/cut-your-grocery-bill-in-half/
- Auto insurance from GetMyInsurance (http://bit.ly/Get_My_Insurance) to see if you can get a lower rate. This could save you $50-$200 a month without impacting your lifestyle one bit.
Check out Trim to help you evaluate and reduce expenses (Free Service) http://bit.ly/Trim_App
Take one step at a time - you can be victorious in destroying debt forever, even if right now, you're living paycheck to paycheck.
Please leave a comment below if we can help you in any way!
Steve & Annette Economides - MoneySmartFamily.com
NY TimesBest Selling Authors and Speakers
Authors of America's Cheapest Family Gets You Right on the Money!
Learn more at http://www.MoneySmartFamily.com
Want More MoneySaving Ideas? Subscribe to our Channel https://goo.gl/vjS3zA

21:21

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

0:21

download An Experts Guide To Credit Card Debt Reduction pdf

download An Experts Guide To Credit Card Debt Reduction pdf

download An Experts Guide To Credit Card Debt Reduction pdf

3:08

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor market and the trend of more shoppers spending at online outlets, such as Amazon . 'The only way to pay online is via credit card,' she said. For those in debt, McGeehan suggests paying more than the minimum payment printed on the statement. 'If you only make the minimum payment, you're only paying the interest,' she said. 'You're not making a dent in the actual debt you have.' The minimum payment on a five-figure sum of debt may stand at just $35-$50 a month. McGeehan also advised focusing on the credit card with the highest interest rate, assuming you have multiple cards with balances. She also said credit card companies might lower the interest rate on the card, if you ask. 'They may also waive one of your late fees,' she said. Finally, McGeehan said it's crucial to develop an expense management plan. The way to track your spending is to write down all of your expenses. 'I think you'd be shocked to see what the outflows are that we're spending day-to-day,' she said, adding that a closer eye on smaller expenses can go a long way in paying off credit card debt. TheStreet's Scott Gamm has details from Wall Street.
Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV
For more content from TheStreet visit: http://thestreet.com
Check out all our videos: http://youtube.com/user/TheStreetTV
Follow TheStreet on Twitter: http://twitter.com/thestreet
Like TheStreet on Facebook: http://facebook.com/TheStreet
Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet
Follow TheStreet on Google+: http://plus.google.com/+TheStreet

8:05

Pros and Cons of Debt Consolidation

Pros and Cons of Debt Consolidation

Pros and Cons of Debt Consolidation

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
WATCH MORE RELATED VIDEOS: https://goo.gl/p6IR8G
∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷
For more tips on how to get out of debt,
SUBSCRIBE ➤➤➤ http://bit.ly/1ZPZ8Q2
∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷∷
▼FOLLOW ME:
LinkedIn - www.linkedin.com/in/debtbytes
Google+ - http://plus.google.com/+MichaelBovee
Twitter - http://twitter.com/debtbytes
Facebook - https://facebook.com/consumerrecoverynetwork/
▼READ OUR BLOG:
http://consumerrecoverynetwork.com
▼FIND YOUR DEBT SOLUTION:
http://consumerrecoverynetwork.com/debt-solutions-review/
▼ASK ME ANY QUESTIONS YOU HAVE:
http://consumerrecoverynetwork.com/ask-a-question/
(reader questions for our channel are selected from here)
Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

4:05

Can I Go to Jail for Not Paying Credit Card Debt?

Can I Go to Jail for Not Paying Credit Card Debt?

Can I Go to Jail for Not Paying Credit Card Debt?

Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for not paying a debt.
In November, 2014, for example, the ManhattanU.S. Attorney filed a criminal complaint against a Georgia collection agency called Williams, Scott & Associates for using threats of incarceration to intimidate frightened consumers in to making payments. You can read the USA Today report about this case at http://goo.gl/dN96aV.
There is no such thing as “debtor’s prison” in the United States. You cannot be thrown in jail for refusing or failing to pay a credit card debt.
Bill collectors who make these kind of illegal threats are committing a crime and they are in violation of the Fair Debt Collection Practices Act, which could give rise to money damages.
Bill collectors and creditors can use the telephone to demand payment from you. And they can sue you civilly (for money damages) if you do not pay.
=====FREE DEBT DESTROYER SURVIVAL KIT====
Don't know where to begin? Download my free
"DebtDestroyer" Survival Kit at
https://bit.ly/BK-survival-kit
=========================================
===========FREE CASE EVALUATION==========
If you would like me to analyze your finances
please contact me at
https://bit.ly/Contact-Gins
==========================================
===============CONTACT ME=================
Jonathan Ginsberg
Atlanta Bankruptcy Attorney
Website: https://www.atlanta-bankruptcy.com
Facebook: https://www.facebook.com/ginsberglaw/
Telephone: 770-393-4985
https://bit.ly/Contact-Gins
===========================================
**ClickBelow to SUBSCRIBE for More Videos:
http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy

Can You be Thrown in Jail for Not Paying a Credit Card Debt?

There are no debtor's prisons in the United States. If a creditor or collection agent tells you otherwise, they are misleading you and probably violating federal law.
This does not mean you should ignore aggressive bill collectors. If you owe money you can't pay, you are at risk for getting sued, and eventually facing wage garnishment, bank account seizure and liens on your property.
At Ginsberg Law Offices we have over 25 years' worth of experience assisting men and women just like you who are facing unmanageable debt. Perhaps you have a legal defense to the credit card company's claim, or perhaps you just need to negotiate a settlement. Sometimes, a Chapter 7 or Chapter 13 bankruptcy may make the most sense to help you get that fresh start.
No matter what debt problems you face, Ginsberg Law offers confidential and valuable advice and we do not charge for initial consultations. Please call us at 770-393-4985 or visit our web site at http://www.atlanta-bankruptcy-attorney.com

7:16

Student and credit card debt: How to manage it

Student and credit card debt: How to manage it

Student and credit card debt: How to manage it

Personal finance experts detail strategies to manage burdensome student loan and credit card debt. The advice is part of CBSN: Making Your MoneyMatter -- a special program dedicated to personal finance.
Subscribe to the "CBSN" Channel HERE: http://bit.ly/1Re2MgS
Watch "CBSN" live HERE: http://cbsn.ws/1PlLpZ7
Follow "CBSN" on Instagram HERE: http://bit.ly/1PO0dkx
Like "CBSN" on Facebook HERE: http://on.fb.me/1o3Deb4
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5:13

Financial expert Deacon Hayes on US Credit Card Debt Rise

Financial expert Deacon Hayes on US Credit Card Debt Rise

Financial expert Deacon Hayes on US Credit Card Debt Rise

U.S. consumers are pulling out the plastic and running up their credit card debts again. Bank of America Merrill Lynch says consumer loans have jumped 11.2 percent this year.
More Americans are building up revolving debt; credit card debt they’ve been trying to pay over the last few years.
Revolving debt is up around 13 percent and outpacing consumer loans for the first time since the financial crisis. Americans may be reverting to the their pre-recession habits. Average debts in 2015 hit levels not seen since the Great Recession with households owing an average of 7,880 dollars.
In 2015 a study found credit card debt balooned to 71 billion dollars, a 24 percent increase from the previous year.
CCtV America’s Michelle Makori interviewed Deacon Hayes, financial expert and founder of Well Kept Wallet about U.S. Credit card debt.

15:08

Money Guru : Experts advice on use of credit cards | Part I

Money Guru : Experts advice on use of credit cards | Part I

Money Guru : Experts advice on use of credit cards | Part I

Watch this special segment and get to know about, Experts advice on the use of credit cards.
To know more watch this full video here.
Zee Business is one of the leading and fastest growing Hindi business news channels in India.The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit.
Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news.
Some of the popular shows of Zee Business are:
Share Bazar, MandiLive, Aap Ka Bazar, FirstTrade, Big Debate etc.

18:49

A Friend in Debt | Patrick Gill | TEDxUW

A Friend in Debt | Patrick Gill | TEDxUW

A Friend in Debt | Patrick Gill | TEDxUW

Are you struggling under the weight of debt? Maybe its student loans from your education or overdue credit card payments? Whatever debt you find yourself fighting, Patrick Gill shares time tested strategies that will help you pay it off faster and save money. Strategies that if you implement, will help you make debt a friend again.
After honing his skills as a Financial Adviser, Patrick helped to pioneer the role of a Banking Consultant to one of Canada’s largest, financial institutions. He spent the next decade giving expert advice to countless industry professionals and institutions such as the Toronto Police Services and the Canadian Armed Forces. Companies like Sony Canada, Edward Jones, and Adidas Canada have benefited from his strategies in cash flow management. His radio interviews on TALK 640 have helped him to spread his message to many seeking financial advice. But his greatest and most rewarding contributions have been in changing the lives of thousands of Canadian families that he has helped in restructuring their debt, savings and day-to-day banking more efficiently. Now, as a Regional Vice-President, Patrick spends his time coaching and mentoring others to do the same.
This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at http://ted.com/tedx

8:58

NEVER Pay A Debt Collector - Credit Expert Advice

NEVER Pay A Debt Collector - Credit Expert Advice

NEVER Pay A Debt Collector - Credit Expert Advice

NEVER PAY A DEBT COLLECTOR! https://CreditCEO.com - Expert CreditAdvice - Do NOT Pay A Debt CollectorUnless You Know Your Legal Credit Rights...Did you know that paying a debt collector doesn't raise your Credit Scores?
When you pay a debt collection agency, most people think it's going to help raise their credit scores, but paying a collector does NOT increase your credit scores.. It makes sense, when paying something negative on your credit report, it should come off your credit... But here is why you should never pay a debt collector...
When you pay a debt collection account is DOES NOT come off your credit report, in fact, sometimes it will stay on your credit report for longer than it would if you left it alone and didn't pay it. Crazy right? So what happens when you pay a collection account? The collection stays on your credit and just reports as a paid collection. The Fair Credit Reporting Act states that an account can report on your credit for 7 years from the date of last activity and a payment can be considered activity.
Working with a Credit RepairCompany like Cobalt Credit Services can help you if you've got debt collections that are reporting on your credit. Here is the link to our website: https://CreditCEO.com
Expert Credit Advice - What can you do if you have a debt collection account:
1) Work with a Credit Repair Company to try to remove it - It can be removed is they are violating any consumer protection laws (I'll help you check it out during your free credit consultation).
2) Study the Fair Debt Collection Practices Act and try to see if the Debt Collector violates any laws, which is actually VERY VERY VERY Typical. OUR Attorneys work for you at NO COST!
3) A debt is mandated to be removed from your credit from 7 years from the date of the debt - I can help you remove accounts that are over 7 years old.
If you have any questions about your debt collection account, to report debt collection harassment or to schedule a free consultation with Jesse Rodriguez, go to our website: https://CreditCEO.com
NEVER PAY A DEBT COLLECTION AGENCY!

Ask the Expert: "How Much Credit Card Debt is Too Much?"

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more...

Credit Card Debt: Danger in Your Wallet - ASK THE EXPERT

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

published: 05 Sep 2008

How To Start Paying Off Debt?

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people l...

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savi...

published: 16 Mar 2010

download An Experts Guide To Credit Card Debt Reduction pdf

published: 21 Nov 2016

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor ...

published: 27 May 2016

Pros and Cons of Debt Consolidation

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
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published: 02 Mar 2016

Can I Go to Jail for Not Paying Credit Card Debt?

Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for not paying a debt.
In November, 2014, for example, the ManhattanU.S. Attorney filed a criminal complaint against a Georgia collection agency called Williams, Scott & Associates for using threats of incarceration to intimidate frightened consumers in to making payments. You can read the USA Today report about this case at http://goo.gl/dN96aV.
There is no such thing as “debtor’s prison” in the United States. You cannot be thrown in jail for refusing or failing to pay a credit card debt.
Bill collectors who make these kind of illegal threats are committing a crime and they are in violation of the FairDebtCollection Practices Ac...

published: 21 Nov 2014

How Debt Consolidation Works

Can You be Thrown in Jail for Not Paying a Credit Card Debt?

There are no debtor's prisons in the United States. If a creditor or collection agent tells you otherwise, they are misleading you and probably violating federal law.
This does not mean you should ignore aggressive bill collectors. If you owe money you can't pay, you are at risk for getting sued, and eventually facing wage garnishment, bank account seizure and liens on your property.
At Ginsberg Law Offices we have over 25 years' worth of experience assisting men and women just like you who are facing unmanageable debt. Perhaps you have a legal defense to the credit card company's claim, or perhaps you just need to negotiate a settlement. Sometimes, a Chapter 7 or Chapter 13 bankruptcy may make the most sense to help you get that fresh start.
No matter what debt problems you face, G...

published: 21 Mar 2013

Student and credit card debt: How to manage it

Personal finance experts detail strategies to manage burdensome student loan and credit card debt. The advice is part of CBSN: Making Your MoneyMatter -- a special program dedicated to personal finance.
Subscribe to the "CBSN" Channel HERE: http://bit.ly/1Re2MgS
Watch "CBSN" live HERE: http://cbsn.ws/1PlLpZ7
Follow "CBSN" on Instagram HERE: http://bit.ly/1PO0dkx
Like "CBSN" on Facebook HERE: http://on.fb.me/1o3Deb4
Follow "CBSN" on Twitter HERE: http://bit.ly/1V4qhIu
Get the latest news and best in original reporting from CBSNews delivered to your inbox. Subscribe to newsletters HERE: http://cbsn.ws/1RqHw7T
Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8
Get new episodes of shows you love across devices the next day, stream local news live, and wat...

published: 16 Nov 2017

Financial expert Deacon Hayes on US Credit Card Debt Rise

U.S. consumers are pulling out the plastic and running up their credit card debts again. Bank of America Merrill Lynch says consumer loans have jumped 11.2 percent this year.
More Americans are building up revolving debt; credit card debt they’ve been trying to pay over the last few years.
Revolving debt is up around 13 percent and outpacing consumer loans for the first time since the financial crisis. Americans may be reverting to the their pre-recession habits. Average debts in 2015 hit levels not seen since the Great Recession with households owing an average of 7,880 dollars.
In 2015 a study found credit card debt balooned to 71 billion dollars, a 24 percent increase from the previous year.
CCtV America’s Michelle Makori interviewed Deacon Hayes, financial expert and founder of Well Ke...

published: 07 Apr 2016

Money Guru : Experts advice on use of credit cards | Part I

Watch this special segment and get to know about, Experts advice on the use of credit cards.
To know more watch this full video here.
Zee Business is one of the leading and fastest growing Hindi business news channels in India.The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit.
Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers....

published: 01 Jun 2016

A Friend in Debt | Patrick Gill | TEDxUW

Are you struggling under the weight of debt? Maybe its student loans from your education or overdue credit card payments? Whatever debt you find yourself fighting, Patrick Gill shares time tested strategies that will help you pay it off faster and save money. Strategies that if you implement, will help you make debt a friend again.
After honing his skills as a Financial Adviser, Patrick helped to pioneer the role of a Banking Consultant to one of Canada’s largest, financial institutions. He spent the next decade giving expert advice to countless industry professionals and institutions such as the Toronto Police Services and the Canadian Armed Forces. Companies like Sony Canada, Edward Jones, and Adidas Canada have benefited from his strategies in cash flow management. His radio interview...

published: 20 Apr 2017

NEVER Pay A Debt Collector - Credit Expert Advice

NEVER PAY A DEBT COLLECTOR! https://CreditCEO.com - Expert CreditAdvice - Do NOT Pay A Debt CollectorUnless You Know Your Legal Credit Rights...Did you know that paying a debt collector doesn't raise your Credit Scores?
When you pay a debt collection agency, most people think it's going to help raise their credit scores, but paying a collector does NOT increase your credit scores.. It makes sense, when paying something negative on your credit report, it should come off your credit... But here is why you should never pay a debt collector...
When you pay a debt collection account is DOES NOT come off your credit report, in fact, sometimes it will stay on your credit report for longer than it would if you left it alone and didn't pay it. Crazy right? So what happens when you pay a coll...

Ask the Expert: "How Much Credit Card Debt is Too Much?"

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-...

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/
Follow us on social media:
★ Facebook: https://www.facebook.com/consolidatedcredit/
★ Twitter: https://twitter.com/ConsolidatedUS
★ Instagram: https://www.instagram.com/consolidatedcreditus/
★ Google+: https://plus.google.com/+ConsolidatedCreditCS

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/
Follow us on social media:
★ Facebook: https://www.facebook.com/consolidatedcredit/
★ Twitter: https://twitter.com/ConsolidatedUS
★ Instagram: https://www.instagram.com/consolidatedcreditus/
★ Google+: https://plus.google.com/+ConsolidatedCreditCS

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

How To Start Paying Off Debt?

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives...

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day.
The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day.
The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-livi...

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
we've got dozens of practical tips for you to start applying today.
Read the Full Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
MainPoints of the Video:
1:40 Step 1: Get Sick and Tired of Your Debt – Attitude is Everything
2:21 Step 2: Create a Game Plan
3:46 Step 3: Start Using a Money ManagementSystem like
- America’s Cheapest FamilyBudget System: http://bit.ly/acf_budget_book
- Mvelopes: https://www.mvelopes.com/
- Mint https://www.mint.com/
- Good Budget https://goodbudget.com/
5:23 Step 4: Get Your Credit Report Along with Your Credit Score
- Annual Credit Report gives 1 FREE credit Report (score has to be paid for) https://www.annualcreditreport.com/index.action
- Credit Sesame Credit Score free (no credit card required) http://bit.ly/credit_sesame
6:11 Step 5: Clean Up Your Credit Report
a. Money Management International negotiate with your creditors. http://www.moneymanagement.org/
b. Hiring a Credit RepairService such as Credit Repair dot com http://bit.ly/credit_repair_free_consult
- If creditors are posting old or inaccurate info on your Credit Report
- Get it fixed by talking with them / writing them or Hiring a pro – like CreditRepair.com
i. Part of Lexington Law – law firm.
ii. Experts in the credit laws.
iii. They have a 3-step process to clean up your credit.
Credit Repair will give you a FREE phone consultation to evaluate what they can do to help you.
9:17 Step 6 GenerateExtraCash
Sell unused, unneeded items
- Artwork
- Sporting equipment
- Extra Car
- Motorcycle
- RVs
- Tech – old gaming systems, computers
- DVD
- CD
- BOOKS
Collect unreimbursed Business expenses, Medical Reimbursements from HSA and FSA.
10:37 Step 7: Trim Unnecessary Expenses
- Spending less on groceries or reducing entertainment expenses such as movies and eating out.
Our Book, "Cut Your GroceryBill in Half, " https://moneysmartfamily.com/cut-your-grocery-bill-in-half/
- Auto insurance from GetMyInsurance (http://bit.ly/Get_My_Insurance) to see if you can get a lower rate. This could save you $50-$200 a month without impacting your lifestyle one bit.
Check out Trim to help you evaluate and reduce expenses (Free Service) http://bit.ly/Trim_App
Take one step at a time - you can be victorious in destroying debt forever, even if right now, you're living paycheck to paycheck.
Please leave a comment below if we can help you in any way!
Steve & Annette Economides - MoneySmartFamily.com
NY TimesBest Selling Authors and Speakers
Authors of America's Cheapest Family Gets You Right on the Money!
Learn more at http://www.MoneySmartFamily.com
Want More MoneySaving Ideas? Subscribe to our Channel https://goo.gl/vjS3zA

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
we've got dozens of practical tips for you to start applying today.
Read the Full Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
MainPoints of the Video:
1:40 Step 1: Get Sick and Tired of Your Debt – Attitude is Everything
2:21 Step 2: Create a Game Plan
3:46 Step 3: Start Using a Money ManagementSystem like
- America’s Cheapest FamilyBudget System: http://bit.ly/acf_budget_book
- Mvelopes: https://www.mvelopes.com/
- Mint https://www.mint.com/
- Good Budget https://goodbudget.com/
5:23 Step 4: Get Your Credit Report Along with Your Credit Score
- Annual Credit Report gives 1 FREE credit Report (score has to be paid for) https://www.annualcreditreport.com/index.action
- Credit Sesame Credit Score free (no credit card required) http://bit.ly/credit_sesame
6:11 Step 5: Clean Up Your Credit Report
a. Money Management International negotiate with your creditors. http://www.moneymanagement.org/
b. Hiring a Credit RepairService such as Credit Repair dot com http://bit.ly/credit_repair_free_consult
- If creditors are posting old or inaccurate info on your Credit Report
- Get it fixed by talking with them / writing them or Hiring a pro – like CreditRepair.com
i. Part of Lexington Law – law firm.
ii. Experts in the credit laws.
iii. They have a 3-step process to clean up your credit.
Credit Repair will give you a FREE phone consultation to evaluate what they can do to help you.
9:17 Step 6 GenerateExtraCash
Sell unused, unneeded items
- Artwork
- Sporting equipment
- Extra Car
- Motorcycle
- RVs
- Tech – old gaming systems, computers
- DVD
- CD
- BOOKS
Collect unreimbursed Business expenses, Medical Reimbursements from HSA and FSA.
10:37 Step 7: Trim Unnecessary Expenses
- Spending less on groceries or reducing entertainment expenses such as movies and eating out.
Our Book, "Cut Your GroceryBill in Half, " https://moneysmartfamily.com/cut-your-grocery-bill-in-half/
- Auto insurance from GetMyInsurance (http://bit.ly/Get_My_Insurance) to see if you can get a lower rate. This could save you $50-$200 a month without impacting your lifestyle one bit.
Check out Trim to help you evaluate and reduce expenses (Free Service) http://bit.ly/Trim_App
Take one step at a time - you can be victorious in destroying debt forever, even if right now, you're living paycheck to paycheck.
Please leave a comment below if we can help you in any way!
Steve & Annette Economides - MoneySmartFamily.com
NY TimesBest Selling Authors and Speakers
Authors of America's Cheapest Family Gets You Right on the Money!
Learn more at http://www.MoneySmartFamily.com
Want More MoneySaving Ideas? Subscribe to our Channel https://goo.gl/vjS3zA

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first qu...

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor market and the trend of more shoppers spending at online outlets, such as Amazon . 'The only way to pay online is via credit card,' she said. For those in debt, McGeehan suggests paying more than the minimum payment printed on the statement. 'If you only make the minimum payment, you're only paying the interest,' she said. 'You're not making a dent in the actual debt you have.' The minimum payment on a five-figure sum of debt may stand at just $35-$50 a month. McGeehan also advised focusing on the credit card with the highest interest rate, assuming you have multiple cards with balances. She also said credit card companies might lower the interest rate on the card, if you ask. 'They may also waive one of your late fees,' she said. Finally, McGeehan said it's crucial to develop an expense management plan. The way to track your spending is to write down all of your expenses. 'I think you'd be shocked to see what the outflows are that we're spending day-to-day,' she said, adding that a closer eye on smaller expenses can go a long way in paying off credit card debt. TheStreet's Scott Gamm has details from Wall Street.
Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV
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Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor market and the trend of more shoppers spending at online outlets, such as Amazon . 'The only way to pay online is via credit card,' she said. For those in debt, McGeehan suggests paying more than the minimum payment printed on the statement. 'If you only make the minimum payment, you're only paying the interest,' she said. 'You're not making a dent in the actual debt you have.' The minimum payment on a five-figure sum of debt may stand at just $35-$50 a month. McGeehan also advised focusing on the credit card with the highest interest rate, assuming you have multiple cards with balances. She also said credit card companies might lower the interest rate on the card, if you ask. 'They may also waive one of your late fees,' she said. Finally, McGeehan said it's crucial to develop an expense management plan. The way to track your spending is to write down all of your expenses. 'I think you'd be shocked to see what the outflows are that we're spending day-to-day,' she said, adding that a closer eye on smaller expenses can go a long way in paying off credit card debt. TheStreet's Scott Gamm has details from Wall Street.
Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV
For more content from TheStreet visit: http://thestreet.com
Check out all our videos: http://youtube.com/user/TheStreetTV
Follow TheStreet on Twitter: http://twitter.com/thestreet
Like TheStreet on Facebook: http://facebook.com/TheStreet
Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet
Follow TheStreet on Google+: http://plus.google.com/+TheStreet

Pros and Cons of Debt Consolidation

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover ...

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
WATCH MORE RELATED VIDEOS: https://goo.gl/p6IR8G
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For more tips on how to get out of debt,
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(reader questions for our channel are selected from here)
Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
WATCH MORE RELATED VIDEOS: https://goo.gl/p6IR8G
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For more tips on how to get out of debt,
SUBSCRIBE ➤➤➤ http://bit.ly/1ZPZ8Q2
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▼FOLLOW ME:
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Google+ - http://plus.google.com/+MichaelBovee
Twitter - http://twitter.com/debtbytes
Facebook - https://facebook.com/consumerrecoverynetwork/
▼READ OUR BLOG:
http://consumerrecoverynetwork.com
▼FIND YOUR DEBT SOLUTION:
http://consumerrecoverynetwork.com/debt-solutions-review/
▼ASK ME ANY QUESTIONS YOU HAVE:
http://consumerrecoverynetwork.com/ask-a-question/
(reader questions for our channel are selected from here)
Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

Can I Go to Jail for Not Paying Credit Card Debt?

Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for no...

Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for not paying a debt.
In November, 2014, for example, the ManhattanU.S. Attorney filed a criminal complaint against a Georgia collection agency called Williams, Scott & Associates for using threats of incarceration to intimidate frightened consumers in to making payments. You can read the USA Today report about this case at http://goo.gl/dN96aV.
There is no such thing as “debtor’s prison” in the United States. You cannot be thrown in jail for refusing or failing to pay a credit card debt.
Bill collectors who make these kind of illegal threats are committing a crime and they are in violation of the Fair Debt Collection Practices Act, which could give rise to money damages.
Bill collectors and creditors can use the telephone to demand payment from you. And they can sue you civilly (for money damages) if you do not pay.
=====FREE DEBT DESTROYER SURVIVAL KIT====
Don't know where to begin? Download my free
"DebtDestroyer" Survival Kit at
https://bit.ly/BK-survival-kit
=========================================
===========FREE CASE EVALUATION==========
If you would like me to analyze your finances
please contact me at
https://bit.ly/Contact-Gins
==========================================
===============CONTACT ME=================
Jonathan Ginsberg
Atlanta Bankruptcy Attorney
Website: https://www.atlanta-bankruptcy.com
Facebook: https://www.facebook.com/ginsberglaw/
Telephone: 770-393-4985
https://bit.ly/Contact-Gins
===========================================
**ClickBelow to SUBSCRIBE for More Videos:
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Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for not paying a debt.
In November, 2014, for example, the ManhattanU.S. Attorney filed a criminal complaint against a Georgia collection agency called Williams, Scott & Associates for using threats of incarceration to intimidate frightened consumers in to making payments. You can read the USA Today report about this case at http://goo.gl/dN96aV.
There is no such thing as “debtor’s prison” in the United States. You cannot be thrown in jail for refusing or failing to pay a credit card debt.
Bill collectors who make these kind of illegal threats are committing a crime and they are in violation of the Fair Debt Collection Practices Act, which could give rise to money damages.
Bill collectors and creditors can use the telephone to demand payment from you. And they can sue you civilly (for money damages) if you do not pay.
=====FREE DEBT DESTROYER SURVIVAL KIT====
Don't know where to begin? Download my free
"DebtDestroyer" Survival Kit at
https://bit.ly/BK-survival-kit
=========================================
===========FREE CASE EVALUATION==========
If you would like me to analyze your finances
please contact me at
https://bit.ly/Contact-Gins
==========================================
===============CONTACT ME=================
Jonathan Ginsberg
Atlanta Bankruptcy Attorney
Website: https://www.atlanta-bankruptcy.com
Facebook: https://www.facebook.com/ginsberglaw/
Telephone: 770-393-4985
https://bit.ly/Contact-Gins
===========================================
**ClickBelow to SUBSCRIBE for More Videos:
http://www.youtube.com/subscription_center?add_user=ginsbergbankruptcy

Can You be Thrown in Jail for Not Paying a Credit Card Debt?

There are no debtor's prisons in the United States. If a creditor or collection agent tells you otherwise, they are misleading you and probably violating feder...

There are no debtor's prisons in the United States. If a creditor or collection agent tells you otherwise, they are misleading you and probably violating federal law.
This does not mean you should ignore aggressive bill collectors. If you owe money you can't pay, you are at risk for getting sued, and eventually facing wage garnishment, bank account seizure and liens on your property.
At Ginsberg Law Offices we have over 25 years' worth of experience assisting men and women just like you who are facing unmanageable debt. Perhaps you have a legal defense to the credit card company's claim, or perhaps you just need to negotiate a settlement. Sometimes, a Chapter 7 or Chapter 13 bankruptcy may make the most sense to help you get that fresh start.
No matter what debt problems you face, Ginsberg Law offers confidential and valuable advice and we do not charge for initial consultations. Please call us at 770-393-4985 or visit our web site at http://www.atlanta-bankruptcy-attorney.com

There are no debtor's prisons in the United States. If a creditor or collection agent tells you otherwise, they are misleading you and probably violating federal law.
This does not mean you should ignore aggressive bill collectors. If you owe money you can't pay, you are at risk for getting sued, and eventually facing wage garnishment, bank account seizure and liens on your property.
At Ginsberg Law Offices we have over 25 years' worth of experience assisting men and women just like you who are facing unmanageable debt. Perhaps you have a legal defense to the credit card company's claim, or perhaps you just need to negotiate a settlement. Sometimes, a Chapter 7 or Chapter 13 bankruptcy may make the most sense to help you get that fresh start.
No matter what debt problems you face, Ginsberg Law offers confidential and valuable advice and we do not charge for initial consultations. Please call us at 770-393-4985 or visit our web site at http://www.atlanta-bankruptcy-attorney.com

Personal finance experts detail strategies to manage burdensome student loan and credit card debt. The advice is part of CBSN: Making Your MoneyMatter -- a special program dedicated to personal finance.
Subscribe to the "CBSN" Channel HERE: http://bit.ly/1Re2MgS
Watch "CBSN" live HERE: http://cbsn.ws/1PlLpZ7
Follow "CBSN" on Instagram HERE: http://bit.ly/1PO0dkx
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Get the latest news and best in original reporting from CBSNews delivered to your inbox. Subscribe to newsletters HERE: http://cbsn.ws/1RqHw7T
Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8
Get new episodes of shows you love across devices the next day, stream local news live, and watch full seasons of CBS fan favorites anytime, anywhere with CBS All Access. Try it free! http://bit.ly/1OQA29B
---
CBSN is the first digital streaming news network that will allow Internet-connected consumers to watch live, anchored news coverage on their connected TV and other devices. At launch, the network is available 24/7 and makes all of the resources of CBS News available directly on digital platforms with live, anchored coverage 15 hours each weekday. CBSN. Always On.

Personal finance experts detail strategies to manage burdensome student loan and credit card debt. The advice is part of CBSN: Making Your MoneyMatter -- a special program dedicated to personal finance.
Subscribe to the "CBSN" Channel HERE: http://bit.ly/1Re2MgS
Watch "CBSN" live HERE: http://cbsn.ws/1PlLpZ7
Follow "CBSN" on Instagram HERE: http://bit.ly/1PO0dkx
Like "CBSN" on Facebook HERE: http://on.fb.me/1o3Deb4
Follow "CBSN" on Twitter HERE: http://bit.ly/1V4qhIu
Get the latest news and best in original reporting from CBSNews delivered to your inbox. Subscribe to newsletters HERE: http://cbsn.ws/1RqHw7T
Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8
Get new episodes of shows you love across devices the next day, stream local news live, and watch full seasons of CBS fan favorites anytime, anywhere with CBS All Access. Try it free! http://bit.ly/1OQA29B
---
CBSN is the first digital streaming news network that will allow Internet-connected consumers to watch live, anchored news coverage on their connected TV and other devices. At launch, the network is available 24/7 and makes all of the resources of CBS News available directly on digital platforms with live, anchored coverage 15 hours each weekday. CBSN. Always On.

U.S. consumers are pulling out the plastic and running up their credit card debts again. Bank of America Merrill Lynch says consumer loans have jumped 11.2 percent this year.
More Americans are building up revolving debt; credit card debt they’ve been trying to pay over the last few years.
Revolving debt is up around 13 percent and outpacing consumer loans for the first time since the financial crisis. Americans may be reverting to the their pre-recession habits. Average debts in 2015 hit levels not seen since the Great Recession with households owing an average of 7,880 dollars.
In 2015 a study found credit card debt balooned to 71 billion dollars, a 24 percent increase from the previous year.
CCtV America’s Michelle Makori interviewed Deacon Hayes, financial expert and founder of Well Kept Wallet about U.S. Credit card debt.

U.S. consumers are pulling out the plastic and running up their credit card debts again. Bank of America Merrill Lynch says consumer loans have jumped 11.2 percent this year.
More Americans are building up revolving debt; credit card debt they’ve been trying to pay over the last few years.
Revolving debt is up around 13 percent and outpacing consumer loans for the first time since the financial crisis. Americans may be reverting to the their pre-recession habits. Average debts in 2015 hit levels not seen since the Great Recession with households owing an average of 7,880 dollars.
In 2015 a study found credit card debt balooned to 71 billion dollars, a 24 percent increase from the previous year.
CCtV America’s Michelle Makori interviewed Deacon Hayes, financial expert and founder of Well Kept Wallet about U.S. Credit card debt.

Money Guru : Experts advice on use of credit cards | Part I

Watch this special segment and get to know about, Experts advice on the use of credit cards.
To know more watch this full video here.
Zee Business is one of ...

Watch this special segment and get to know about, Experts advice on the use of credit cards.
To know more watch this full video here.
Zee Business is one of the leading and fastest growing Hindi business news channels in India.The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit.
Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news.
Some of the popular shows of Zee Business are:
Share Bazar, MandiLive, Aap Ka Bazar, FirstTrade, Big Debate etc.

Watch this special segment and get to know about, Experts advice on the use of credit cards.
To know more watch this full video here.
Zee Business is one of the leading and fastest growing Hindi business news channels in India.The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit.
Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news.
Some of the popular shows of Zee Business are:
Share Bazar, MandiLive, Aap Ka Bazar, FirstTrade, Big Debate etc.

A Friend in Debt | Patrick Gill | TEDxUW

Are you struggling under the weight of debt? Maybe its student loans from your education or overdue credit card payments? Whatever debt you find yourself fighti...

Are you struggling under the weight of debt? Maybe its student loans from your education or overdue credit card payments? Whatever debt you find yourself fighting, Patrick Gill shares time tested strategies that will help you pay it off faster and save money. Strategies that if you implement, will help you make debt a friend again.
After honing his skills as a Financial Adviser, Patrick helped to pioneer the role of a Banking Consultant to one of Canada’s largest, financial institutions. He spent the next decade giving expert advice to countless industry professionals and institutions such as the Toronto Police Services and the Canadian Armed Forces. Companies like Sony Canada, Edward Jones, and Adidas Canada have benefited from his strategies in cash flow management. His radio interviews on TALK 640 have helped him to spread his message to many seeking financial advice. But his greatest and most rewarding contributions have been in changing the lives of thousands of Canadian families that he has helped in restructuring their debt, savings and day-to-day banking more efficiently. Now, as a Regional Vice-President, Patrick spends his time coaching and mentoring others to do the same.
This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at http://ted.com/tedx

Are you struggling under the weight of debt? Maybe its student loans from your education or overdue credit card payments? Whatever debt you find yourself fighting, Patrick Gill shares time tested strategies that will help you pay it off faster and save money. Strategies that if you implement, will help you make debt a friend again.
After honing his skills as a Financial Adviser, Patrick helped to pioneer the role of a Banking Consultant to one of Canada’s largest, financial institutions. He spent the next decade giving expert advice to countless industry professionals and institutions such as the Toronto Police Services and the Canadian Armed Forces. Companies like Sony Canada, Edward Jones, and Adidas Canada have benefited from his strategies in cash flow management. His radio interviews on TALK 640 have helped him to spread his message to many seeking financial advice. But his greatest and most rewarding contributions have been in changing the lives of thousands of Canadian families that he has helped in restructuring their debt, savings and day-to-day banking more efficiently. Now, as a Regional Vice-President, Patrick spends his time coaching and mentoring others to do the same.
This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at http://ted.com/tedx

NEVER PAY A DEBT COLLECTOR! https://CreditCEO.com - Expert CreditAdvice - Do NOT Pay A Debt CollectorUnless You Know Your Legal Credit Rights...Did you know that paying a debt collector doesn't raise your Credit Scores?
When you pay a debt collection agency, most people think it's going to help raise their credit scores, but paying a collector does NOT increase your credit scores.. It makes sense, when paying something negative on your credit report, it should come off your credit... But here is why you should never pay a debt collector...
When you pay a debt collection account is DOES NOT come off your credit report, in fact, sometimes it will stay on your credit report for longer than it would if you left it alone and didn't pay it. Crazy right? So what happens when you pay a collection account? The collection stays on your credit and just reports as a paid collection. The Fair Credit Reporting Act states that an account can report on your credit for 7 years from the date of last activity and a payment can be considered activity.
Working with a Credit RepairCompany like Cobalt Credit Services can help you if you've got debt collections that are reporting on your credit. Here is the link to our website: https://CreditCEO.com
Expert Credit Advice - What can you do if you have a debt collection account:
1) Work with a Credit Repair Company to try to remove it - It can be removed is they are violating any consumer protection laws (I'll help you check it out during your free credit consultation).
2) Study the Fair Debt Collection Practices Act and try to see if the Debt Collector violates any laws, which is actually VERY VERY VERY Typical. OUR Attorneys work for you at NO COST!
3) A debt is mandated to be removed from your credit from 7 years from the date of the debt - I can help you remove accounts that are over 7 years old.
If you have any questions about your debt collection account, to report debt collection harassment or to schedule a free consultation with Jesse Rodriguez, go to our website: https://CreditCEO.com
NEVER PAY A DEBT COLLECTION AGENCY!

NEVER PAY A DEBT COLLECTOR! https://CreditCEO.com - Expert CreditAdvice - Do NOT Pay A Debt CollectorUnless You Know Your Legal Credit Rights...Did you know that paying a debt collector doesn't raise your Credit Scores?
When you pay a debt collection agency, most people think it's going to help raise their credit scores, but paying a collector does NOT increase your credit scores.. It makes sense, when paying something negative on your credit report, it should come off your credit... But here is why you should never pay a debt collector...
When you pay a debt collection account is DOES NOT come off your credit report, in fact, sometimes it will stay on your credit report for longer than it would if you left it alone and didn't pay it. Crazy right? So what happens when you pay a collection account? The collection stays on your credit and just reports as a paid collection. The Fair Credit Reporting Act states that an account can report on your credit for 7 years from the date of last activity and a payment can be considered activity.
Working with a Credit RepairCompany like Cobalt Credit Services can help you if you've got debt collections that are reporting on your credit. Here is the link to our website: https://CreditCEO.com
Expert Credit Advice - What can you do if you have a debt collection account:
1) Work with a Credit Repair Company to try to remove it - It can be removed is they are violating any consumer protection laws (I'll help you check it out during your free credit consultation).
2) Study the Fair Debt Collection Practices Act and try to see if the Debt Collector violates any laws, which is actually VERY VERY VERY Typical. OUR Attorneys work for you at NO COST!
3) A debt is mandated to be removed from your credit from 7 years from the date of the debt - I can help you remove accounts that are over 7 years old.
If you have any questions about your debt collection account, to report debt collection harassment or to schedule a free consultation with Jesse Rodriguez, go to our website: https://CreditCEO.com
NEVER PAY A DEBT COLLECTION AGENCY!

In Debt We Trust (Credit Card Debt Crisis)

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.
In theU.K. you can appoint an Arbiter or legal entity to negotiate with the creditors. Creditors often accept reduced balances in a final payment and this is called full and final settlement but with debt settlement the reduced amount can be spread over an agreed term.
Debt settlement is often confused with debt consolidation or debt management. In debt consolidation and debt management, the consumer makes monthly payments to the debt consolidator, who takes a fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In ...

published: 20 Oct 2014

How The Economic Machine Works by Ray Dalio

Economics 101 -- "How the Economic MachineWorks."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the question, "How does the economy really work?" Based on Dalio's practical template for understanding the economy, which he developed over the course of his career, the video breaks down economic concepts like credit, deficits and interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.
To learn more about Economic Principles visit: http://www.economicprinciples.org.
[Also Available In Chinese] 经济这台机器是怎样运行的: http://www.youtube.com/watch?v=-ZbeYejg9Pk
[Also Available In Russian] Как действует экономическая машина. Автор: Рэй Далио (на русском ...

The Economics of Private Banking

This creative reveals how private bankers are using their credit-debt system to enslave and control the.middle-class. It's no wonder experts are fearing a global economic collapse.
It's important to understand how to protect yourself from hyper inflation. Never before in history has education on this subject been more important. I've posted some videos for you to do as the wealthy are doing, by investing into precious metals ...see my Silver opportunity videos, and learn about real money and how to protect and insure yourself from hyper-inflation.
SUBSCRIBE share these videos and some ZebraUnity. Together we can be the voice for monetary reform.Together we can forgive the "debtor' ..as will our debts be forgiven!
Anonymous Follows The MoneyTrailhttp://www.youtube.com/watch?v=43OcaL96...

published: 18 Jan 2011

Monkeynomics 101: Complete Investments Series

This is my entire Monkeynomics 101 series pertaining to investments in a single video! Some things were cut (like the intros between videos) in order to make it all fit within the YouTube maximum length of 2 hours and 10 minutes.
TimeCodes and Sources:
0:00 Monkeynomics 101: Becoming the 1%, Time Value of Money (TVM), and the Rule of 72
US Global Investors: What Does It Take to Be in the Top 1 Percent? Not As Much As You Thinkhttp://www.usfunds.com/investor-library/frank-talk/what-does-it-take-to-be-in-the-top-1-percent-not-as-much-as-you-think/#.VRSm7_nF9Mh
Financial Samurai: Who Are The Top 1% Income Earners?
http://www.financialsamurai.com/who-are-the-top-1-income-earners/
U.S.Median Income
http://www.mybudget360.com/how-much-do-americans-earn-what-is-the-average-us-income/
Averag...

OPP43 Landon Stewart - From $30K in Debt to $30K a Month Using One Primary Strategy

OnlinePlaymakerSessionsEpisode 43 with young online affiliate marketer and funnel expert Landon Stewart - http://onlineprofitplaybook.com/ep43-landon-stewart
Landon got his first taste of entrepreneurship as a 19 year old kid when he dropped out of college to start a network marketing business. His youthful ambition and excitement was short lived when the struggle and challenges of building the business set in.
At 22, while his friends were graduating college and getting jobs, Landon was a college dropout, living with his mom, with tens of thousands of dollars in credit card debt.
But everything changed for Landon when he found his mentor and he began developing his skills in copywriting, influence and communication. The next year, Landon had his first 6 figure income year as an ...

published: 30 Aug 2016

Ask the Experts Your Credit

SmartCredit.com's John Ulzheimer joins Jill Schlesinger and Jack Otter to talk credit cards and credit scores. He reports that more card companies are beginning to court subprime borrowers, and discusses the pros and cons of pre-paid debit cards.

published: 13 Jul 2013

James Altucher Found Himself by Losing Everything (and You Can Too!)

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's hard to imagine a more qualified evangelist for personal reinvention. During the dot-com boom of the 1990s, Altucher made millions designing corporate websites, only to squander it all on gambling and a string of disastrous investment decisions. "I was probably losing about a million [dollars] a week for an entire summer," he tells Reason's Nick Gillespie. "I just made every stupid decision in the book."
___
Subscribe to our YouTube channel: http://youtube.com/reasontv
Like us on Facebook: https://www.facebook.com/Reason.Magazine/
Follow us on Twitter: https://twitter.com/reason
Subscribe to our podcast at iTunes: https://goo.gl/az3a7a
Reason is the planet's leading source of news, politics, and c...

published: 21 Apr 2017

Why you should NEVER PAY COLLECTIONS AGENCIES EVER!!! Do this Instead!!

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savi...

A panel of four experts on personal finance discuss the reasons why so many lower-income Americans can't find economic mobility because of low credit scores, debt and a lack of access to traditional lending.

Declines in credit card debt are often misinterpreted because they fail to include information about charge-offs. The possible causes for a decline in credit card debt are consumers paying down their debt, credit card companies writing charged-off debt off their books, or a combination of the two. Inclusion of charged-off debt can therefore significantly impact debt trends and the characterization of a nation’s financial health. For example, the $10.3 billion decrease in outstanding credit card debt in Q3 2010 relative to the previous quarter might at first glance seem to be a significant consumer pay down. However, considering that the Q3 credit card charge-off rate was $16.9 billion,[2] consumers actually increased their overall debt by $6.6 billion during this quarter.
Consumers also c...

published: 10 Feb 2015

May 10: Converting Credit Card Debt to Under 5% Interest

Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron delivers intelligent, entertaining radio that makes the hard news of the week easy to understand!
Ron will discuss: Game Plan for Savings; Method to Reduce Credit Card & Revolving Debt to under 5% interest, STRATEGICALLY; How to make Home Improvements without payments until Dec 2017; What moms look for when buying a house; MortgageRatesRemain at Historic Lows; These two things will eat up roughly 50% of your money in retirement; Real TimeReal Estate; Your CreditMatters; Mortgage Minute: Word on Wealth; and so much more
Ron Siegel, consumer advocate, and mortgage lender discusse...

Credit reports and scores are no longer reserved for use by traditional lenders. Today, the data is also used by student loan lenders, insurance companies, utility providers, collection agencies, tenant screening companies, and employers, to help them decide whether to do business with you, and under what terms. New financial services products and processes — including prepaid debit cards, short sales and loan modifications — have complicated the issue with aggressive marketing (and mis-marketing). John Ulzheimer shares information about credit reports and credit scores, their use in 2014, as well as your considerable rights and protections under several federal statutes.

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree ...

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.
In theU.K. you can appoint an Arbiter or legal entity to negotiate with the creditors. Creditors often accept reduced balances in a final payment and this is called full and final settlement but with debt settlement the reduced amount can be spread over an agreed term.
Debt settlement is often confused with debt consolidation or debt management. In debt consolidation and debt management, the consumer makes monthly payments to the debt consolidator, who takes a fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments, out of which the debt settlement company takes its fees for the legal work or negotiation and payments are paid to the creditor. Unlike U.K. debt management there are no monthly management fees, the debt settlement company may get the creditor to accept a settlement of 40 pence in the pound, but the client pays 50 pence in the pound. The debt settlement company benefit from the extra 10 pence in this case.
In the U.K. creditors such as banks, credit card, loan companies and other creditors are already writing off huge amounts of debt. Most creditors are open to negotiations and are willing to accept reductions of 50% or more. Debt settlement allows the public to spread payments out over a set term - instead of having to pay a lump sum in one go which is the case with Full and FinalSettlement.
Many people are taking advantage of Debt Settlement instead of conventional Debt Management because they have not seen debt management offer the benefits sold to them.
U.K. debt settlement is not to be confused with full and final settlement where debt management companies have been known to hold onto client funds in which case the creditors get nothing until they decide to settle. Furthermore, the debt management company usually instructs the consumer not to make any payments to creditors. The intended effect is to scare creditors into settling the debt for less than the full amount. Typically, however, creditors simply begin collection procedures, which can include filing suit against the consumer in court.[2] As long as consumers continue to make minimum monthly payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest.[1] This practice of holding client funds is regarded as unethical in the U.S. and U.K.
U.S. debt settlement differs slightly. There are several indicators that few consumers actually have their debt eliminated by full and final settlement. A survey of U.S. debt settlement companies found that 34.4% of enrollees had 75 percent or more of their debt settled within three years.[3] Data released by the Colorado Attorney General showed that only 11.35 percent of consumers who had enrolled more than three years earlier had all of their debt settled.[4] And when asked to show that most of their customers are better off after debt settlement, industry leaders said that would be an "unrealistic measure." [5]
Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies. In a New York Times article Cyndi Geerdes, an associate professor at the University of Illinois law school, states "Done correctly, (debt settlement) can absolutely help people". However, stopping payments to creditors as part of a debt settlement plan can reduce a consumer's credit score from 65 to 125 points, with higher impacts on those who were current on their payments prior to enrolling in the program. And missed payments can remain on a consumer's credit report for seven years even after a debt is settled.
Some settlement companies may charge a large fee up front, which ignores a rule from the Federal Trade Commission.
Or they take a monthly fee from customer bank accounts for their service, possibly reducing the incentive to settle with creditors quickly. One expert advises consumers to look for companies that charge only after a settlement is made, and charge about 20 percent of the amount by which the outstanding balance is reduced. Other experts say debt settlement is a flawed model altogether and should be avoided.
http://en.wikipedia.org/wiki/Debt_settlement

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.
In theU.K. you can appoint an Arbiter or legal entity to negotiate with the creditors. Creditors often accept reduced balances in a final payment and this is called full and final settlement but with debt settlement the reduced amount can be spread over an agreed term.
Debt settlement is often confused with debt consolidation or debt management. In debt consolidation and debt management, the consumer makes monthly payments to the debt consolidator, who takes a fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments, out of which the debt settlement company takes its fees for the legal work or negotiation and payments are paid to the creditor. Unlike U.K. debt management there are no monthly management fees, the debt settlement company may get the creditor to accept a settlement of 40 pence in the pound, but the client pays 50 pence in the pound. The debt settlement company benefit from the extra 10 pence in this case.
In the U.K. creditors such as banks, credit card, loan companies and other creditors are already writing off huge amounts of debt. Most creditors are open to negotiations and are willing to accept reductions of 50% or more. Debt settlement allows the public to spread payments out over a set term - instead of having to pay a lump sum in one go which is the case with Full and FinalSettlement.
Many people are taking advantage of Debt Settlement instead of conventional Debt Management because they have not seen debt management offer the benefits sold to them.
U.K. debt settlement is not to be confused with full and final settlement where debt management companies have been known to hold onto client funds in which case the creditors get nothing until they decide to settle. Furthermore, the debt management company usually instructs the consumer not to make any payments to creditors. The intended effect is to scare creditors into settling the debt for less than the full amount. Typically, however, creditors simply begin collection procedures, which can include filing suit against the consumer in court.[2] As long as consumers continue to make minimum monthly payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest.[1] This practice of holding client funds is regarded as unethical in the U.S. and U.K.
U.S. debt settlement differs slightly. There are several indicators that few consumers actually have their debt eliminated by full and final settlement. A survey of U.S. debt settlement companies found that 34.4% of enrollees had 75 percent or more of their debt settled within three years.[3] Data released by the Colorado Attorney General showed that only 11.35 percent of consumers who had enrolled more than three years earlier had all of their debt settled.[4] And when asked to show that most of their customers are better off after debt settlement, industry leaders said that would be an "unrealistic measure." [5]
Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies. In a New York Times article Cyndi Geerdes, an associate professor at the University of Illinois law school, states "Done correctly, (debt settlement) can absolutely help people". However, stopping payments to creditors as part of a debt settlement plan can reduce a consumer's credit score from 65 to 125 points, with higher impacts on those who were current on their payments prior to enrolling in the program. And missed payments can remain on a consumer's credit report for seven years even after a debt is settled.
Some settlement companies may charge a large fee up front, which ignores a rule from the Federal Trade Commission.
Or they take a monthly fee from customer bank accounts for their service, possibly reducing the incentive to settle with creditors quickly. One expert advises consumers to look for companies that charge only after a settlement is made, and charge about 20 percent of the amount by which the outstanding balance is reduced. Other experts say debt settlement is a flawed model altogether and should be avoided.
http://en.wikipedia.org/wiki/Debt_settlement

How The Economic Machine Works by Ray Dalio

Economics 101 -- "How the Economic MachineWorks."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the...

Economics 101 -- "How the Economic MachineWorks."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the question, "How does the economy really work?" Based on Dalio's practical template for understanding the economy, which he developed over the course of his career, the video breaks down economic concepts like credit, deficits and interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.
To learn more about Economic Principles visit: http://www.economicprinciples.org.
[Also Available In Chinese] 经济这台机器是怎样运行的: http://www.youtube.com/watch?v=-ZbeYejg9Pk
[Also Available In Russian] Как действует экономическая машина. Автор: Рэй Далио (на русском языке): http://youtu.be/8BaNOlIfMLE

Economics 101 -- "How the Economic MachineWorks."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the question, "How does the economy really work?" Based on Dalio's practical template for understanding the economy, which he developed over the course of his career, the video breaks down economic concepts like credit, deficits and interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.
To learn more about Economic Principles visit: http://www.economicprinciples.org.
[Also Available In Chinese] 经济这台机器是怎样运行的: http://www.youtube.com/watch?v=-ZbeYejg9Pk
[Also Available In Russian] Как действует экономическая машина. Автор: Рэй Далио (на русском языке): http://youtu.be/8BaNOlIfMLE

The Economics of Private Banking

This creative reveals how private bankers are using their credit-debt system to enslave and control the.middle-class. It's no wonder experts are fearing a globa...

This creative reveals how private bankers are using their credit-debt system to enslave and control the.middle-class. It's no wonder experts are fearing a global economic collapse.
It's important to understand how to protect yourself from hyper inflation. Never before in history has education on this subject been more important. I've posted some videos for you to do as the wealthy are doing, by investing into precious metals ...see my Silver opportunity videos, and learn about real money and how to protect and insure yourself from hyper-inflation.
SUBSCRIBE share these videos and some ZebraUnity. Together we can be the voice for monetary reform.Together we can forgive the "debtor' ..as will our debts be forgiven!
Anonymous Follows The MoneyTrailhttp://www.youtube.com/watch?v=43OcaL96tKk
The Banksters | Our RealEnemy
http://www.youtube.com/watch?v=pAt_NRDprpc
Oh Canada... Our Bought & SoldLand!!
http://www.youtube.com/watch?v=xH7TbObZBmU
BillStill'sWizard of OzDocumentary
http://www.youtube.com/watch?v=3VNcnxj2Dr8
Private Banking = Financial Armageddon
http://www.youtube.com/watch?v=ysqSMtRGj-E
The Government Can by Tim Hawkins
http://www.youtube.com/watch?v=9w0JiHjQrP0
Don't forget to vote, subscribe and share your thoughts.

This creative reveals how private bankers are using their credit-debt system to enslave and control the.middle-class. It's no wonder experts are fearing a global economic collapse.
It's important to understand how to protect yourself from hyper inflation. Never before in history has education on this subject been more important. I've posted some videos for you to do as the wealthy are doing, by investing into precious metals ...see my Silver opportunity videos, and learn about real money and how to protect and insure yourself from hyper-inflation.
SUBSCRIBE share these videos and some ZebraUnity. Together we can be the voice for monetary reform.Together we can forgive the "debtor' ..as will our debts be forgiven!
Anonymous Follows The MoneyTrailhttp://www.youtube.com/watch?v=43OcaL96tKk
The Banksters | Our RealEnemy
http://www.youtube.com/watch?v=pAt_NRDprpc
Oh Canada... Our Bought & SoldLand!!
http://www.youtube.com/watch?v=xH7TbObZBmU
BillStill'sWizard of OzDocumentary
http://www.youtube.com/watch?v=3VNcnxj2Dr8
Private Banking = Financial Armageddon
http://www.youtube.com/watch?v=ysqSMtRGj-E
The Government Can by Tim Hawkins
http://www.youtube.com/watch?v=9w0JiHjQrP0
Don't forget to vote, subscribe and share your thoughts.

OnlinePlaymakerSessionsEpisode 43 with young online affiliate marketer and funnel expert Landon Stewart - http://onlineprofitplaybook.com/ep43-landon-stewart
Landon got his first taste of entrepreneurship as a 19 year old kid when he dropped out of college to start a network marketing business. His youthful ambition and excitement was short lived when the struggle and challenges of building the business set in.
At 22, while his friends were graduating college and getting jobs, Landon was a college dropout, living with his mom, with tens of thousands of dollars in credit card debt.
But everything changed for Landon when he found his mentor and he began developing his skills in copywriting, influence and communication. The next year, Landon had his first 6 figure income year as an internet marketer. Since then Landon has been able to travel the world, speak at internet marketing events, sell hundreds of thousands of dollars of products online and create sales funnels that have made as much as $120,000 in just 30 days. Landon is passionate about training other entrepreneurs to harness the internet to become a full time lifestylepreneur.
What You Will Learn in this Episode:
- how Landon went from being a college drop out, living with his mom, in $30,000 of credit card debt to finally earning a 6 figure income online
- the biggest lesson Landon learned from his years of struggle in network marketing and how it helped him to breakthrough in his business
- the BIGGEST mistake most online marketers make and why its the reason that holds so many online marketers back from creating results - and how to solve it
- how Landon finally created his massive breakthrough by focusing on developing his craft and the specific habits and actions he took on a daily basis
- the Facebook marketing technique Landon has been using since 2013 to create incredible results and how he is still using the same strategy today
- the 2 big challenges that the majority of new marketers face and how to easily and quickly solve these 2 challenges
- Landon’s 3 step advice to guarantee you create a breakthrough in your business in the next 30 days
Get all the show notes, transcription and resources on the blog:
http://onlineprofitplaybook.com/ep43-landon-stewart
*************************
*************************
SUBSCRIBE to our Channel to receive the latest training:
https://www.youtube.com/c/TheOnlinePlaymakers?sub_confirmation=1
Join the Inner Circle and download the closely guarded marketing playbooks of top marketers:
http://onlineprofitplaybook.com/innercircleyt
FREE WORKSHOP: The MostEffectiveMarketing StrategyUsed by ALL Top Online Marketers to Get More Traffic, Leads & Sales and Create a 6, 7 and Even 8 Figure Online Business
REGISTER: http://onlineprofitplaybook.com/ogfwebinar-yt
*************************
*************************
The ONLINE PLAYMAKER SESSIONS
This is the place for the latest “what’s working right now” strategies with the hottest online playmakers, the top marketers and new rising stars who are making it happen.
You’ll get real actionable lessons that you can take and apply immediately in your business, delivered in short 30 minute sessions.
Our focus is your results.
*************************
*************************
ENGAGE & CONNECT:
** Subscribe to the podcast on iTunes: http://OnlinePlaymakerSessions.com/subscribe
** Subscribe to our YouTube Channel: https://www.youtube.com/c/TheOnlinePlaymakers?sub_confirmation=1
** Join the Online Playmakers and download their closely guarded playbooks: http://onlineprofitplaybook.com/innercircleyt
** Watch all of the episodes: https://www.youtube.com/playlist?list=PLgUCofeboMkhglnmlkP29BiTUWmHqLx9N
** Connect with the community on Facebook: https://www.facebook.com/The-Online-Playmakers-1681872428702391
FREE TRAINING:
** Get My 5CriticalElementsFormulaVideo Tutorials: http://onlineprofitplaybook.com/5step-formulayt

OnlinePlaymakerSessionsEpisode 43 with young online affiliate marketer and funnel expert Landon Stewart - http://onlineprofitplaybook.com/ep43-landon-stewart
Landon got his first taste of entrepreneurship as a 19 year old kid when he dropped out of college to start a network marketing business. His youthful ambition and excitement was short lived when the struggle and challenges of building the business set in.
At 22, while his friends were graduating college and getting jobs, Landon was a college dropout, living with his mom, with tens of thousands of dollars in credit card debt.
But everything changed for Landon when he found his mentor and he began developing his skills in copywriting, influence and communication. The next year, Landon had his first 6 figure income year as an internet marketer. Since then Landon has been able to travel the world, speak at internet marketing events, sell hundreds of thousands of dollars of products online and create sales funnels that have made as much as $120,000 in just 30 days. Landon is passionate about training other entrepreneurs to harness the internet to become a full time lifestylepreneur.
What You Will Learn in this Episode:
- how Landon went from being a college drop out, living with his mom, in $30,000 of credit card debt to finally earning a 6 figure income online
- the biggest lesson Landon learned from his years of struggle in network marketing and how it helped him to breakthrough in his business
- the BIGGEST mistake most online marketers make and why its the reason that holds so many online marketers back from creating results - and how to solve it
- how Landon finally created his massive breakthrough by focusing on developing his craft and the specific habits and actions he took on a daily basis
- the Facebook marketing technique Landon has been using since 2013 to create incredible results and how he is still using the same strategy today
- the 2 big challenges that the majority of new marketers face and how to easily and quickly solve these 2 challenges
- Landon’s 3 step advice to guarantee you create a breakthrough in your business in the next 30 days
Get all the show notes, transcription and resources on the blog:
http://onlineprofitplaybook.com/ep43-landon-stewart
*************************
*************************
SUBSCRIBE to our Channel to receive the latest training:
https://www.youtube.com/c/TheOnlinePlaymakers?sub_confirmation=1
Join the Inner Circle and download the closely guarded marketing playbooks of top marketers:
http://onlineprofitplaybook.com/innercircleyt
FREE WORKSHOP: The MostEffectiveMarketing StrategyUsed by ALL Top Online Marketers to Get More Traffic, Leads & Sales and Create a 6, 7 and Even 8 Figure Online Business
REGISTER: http://onlineprofitplaybook.com/ogfwebinar-yt
*************************
*************************
The ONLINE PLAYMAKER SESSIONS
This is the place for the latest “what’s working right now” strategies with the hottest online playmakers, the top marketers and new rising stars who are making it happen.
You’ll get real actionable lessons that you can take and apply immediately in your business, delivered in short 30 minute sessions.
Our focus is your results.
*************************
*************************
ENGAGE & CONNECT:
** Subscribe to the podcast on iTunes: http://OnlinePlaymakerSessions.com/subscribe
** Subscribe to our YouTube Channel: https://www.youtube.com/c/TheOnlinePlaymakers?sub_confirmation=1
** Join the Online Playmakers and download their closely guarded playbooks: http://onlineprofitplaybook.com/innercircleyt
** Watch all of the episodes: https://www.youtube.com/playlist?list=PLgUCofeboMkhglnmlkP29BiTUWmHqLx9N
** Connect with the community on Facebook: https://www.facebook.com/The-Online-Playmakers-1681872428702391
FREE TRAINING:
** Get My 5CriticalElementsFormulaVideo Tutorials: http://onlineprofitplaybook.com/5step-formulayt

Ask the Experts Your Credit

SmartCredit.com's John Ulzheimer joins Jill Schlesinger and Jack Otter to talk credit cards and credit scores. He reports that more card companies are beginning...

SmartCredit.com's John Ulzheimer joins Jill Schlesinger and Jack Otter to talk credit cards and credit scores. He reports that more card companies are beginning to court subprime borrowers, and discusses the pros and cons of pre-paid debit cards.

SmartCredit.com's John Ulzheimer joins Jill Schlesinger and Jack Otter to talk credit cards and credit scores. He reports that more card companies are beginning to court subprime borrowers, and discusses the pros and cons of pre-paid debit cards.

James Altucher Found Himself by Losing Everything (and You Can Too!)

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's hard to imagine a more qualified evangelist for personal reinvention....

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's hard to imagine a more qualified evangelist for personal reinvention. During the dot-com boom of the 1990s, Altucher made millions designing corporate websites, only to squander it all on gambling and a string of disastrous investment decisions. "I was probably losing about a million [dollars] a week for an entire summer," he tells Reason's Nick Gillespie. "I just made every stupid decision in the book."
___
Subscribe to our YouTube channel: http://youtube.com/reasontv
Like us on Facebook: https://www.facebook.com/Reason.Magazine/
Follow us on Twitter: https://twitter.com/reason
Subscribe to our podcast at iTunes: https://goo.gl/az3a7a
Reason is the planet's leading source of news, politics, and culture from a libertarian perspective. Go to reason.com for a point of view you won't get from legacy media and old left-right opinion magazines.
____
With $143 left in his bank account, Altucher contemplated suicide. "I equated my self-worth with my net worth," he says, "and I just figured there's no way I'm going to dig myself out of this hole."
Instead of self-destruction, Altucher created himself anew. He dedicated himself to learning about finance, reading over a hundred books about investing. He built a new career as a hedge fund manager, earning writing gigs at TheStreet.com and The Financial Times.
The real estate crisis of 2008 wiped the slate clean. Finding himself with nothing to lose yet again, Altucher began blogging about his riches-to-rags-to-riches-again life story, eventually writing books—18 of them so far—for an audience that had felt the sting of the recession.
Crawling out of the abyss a few times has made Altucher wary of the American Dream. A Cornell and Carnegie Mellon graduate, he scorns higher education as an overpriced luxury. Home ownership is great for the banks, but a lousy deal for home owners. Hedge funds are a scam. He's never had credit card debt because he's never had a credit card.
In keeping with his philosophy of radical self-creation, Altucher's latest identity is a 21st century urban ascetic. He has pared down his possessions, discarding every item he doesn't need. He is determined that nothing get in the way of his chosen life, his best self. Today, he lives in AirBnB rentals and owns fifteen things that he carries in a small canvas bag.
Altucher's self-published book about the art of self-creation, ChooseYourself! Be Happy, Make Millions, Live the Dream, charts his life story, detailing how he bounced back, time and again, from disasters personal and financial. Equal parts self-help manual, cautionary tale, and tell-all autobiography, Choose Yourself! challenges us to create the best version of ourselves through a constant process of optimism, authenticity, and hard work.
Edited by Todd Krainin. Hosted by Nick Gillespie. Cameras by Jim Epstein and Krainin.

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's hard to imagine a more qualified evangelist for personal reinvention. During the dot-com boom of the 1990s, Altucher made millions designing corporate websites, only to squander it all on gambling and a string of disastrous investment decisions. "I was probably losing about a million [dollars] a week for an entire summer," he tells Reason's Nick Gillespie. "I just made every stupid decision in the book."
___
Subscribe to our YouTube channel: http://youtube.com/reasontv
Like us on Facebook: https://www.facebook.com/Reason.Magazine/
Follow us on Twitter: https://twitter.com/reason
Subscribe to our podcast at iTunes: https://goo.gl/az3a7a
Reason is the planet's leading source of news, politics, and culture from a libertarian perspective. Go to reason.com for a point of view you won't get from legacy media and old left-right opinion magazines.
____
With $143 left in his bank account, Altucher contemplated suicide. "I equated my self-worth with my net worth," he says, "and I just figured there's no way I'm going to dig myself out of this hole."
Instead of self-destruction, Altucher created himself anew. He dedicated himself to learning about finance, reading over a hundred books about investing. He built a new career as a hedge fund manager, earning writing gigs at TheStreet.com and The Financial Times.
The real estate crisis of 2008 wiped the slate clean. Finding himself with nothing to lose yet again, Altucher began blogging about his riches-to-rags-to-riches-again life story, eventually writing books—18 of them so far—for an audience that had felt the sting of the recession.
Crawling out of the abyss a few times has made Altucher wary of the American Dream. A Cornell and Carnegie Mellon graduate, he scorns higher education as an overpriced luxury. Home ownership is great for the banks, but a lousy deal for home owners. Hedge funds are a scam. He's never had credit card debt because he's never had a credit card.
In keeping with his philosophy of radical self-creation, Altucher's latest identity is a 21st century urban ascetic. He has pared down his possessions, discarding every item he doesn't need. He is determined that nothing get in the way of his chosen life, his best self. Today, he lives in AirBnB rentals and owns fifteen things that he carries in a small canvas bag.
Altucher's self-published book about the art of self-creation, ChooseYourself! Be Happy, Make Millions, Live the Dream, charts his life story, detailing how he bounced back, time and again, from disasters personal and financial. Equal parts self-help manual, cautionary tale, and tell-all autobiography, Choose Yourself! challenges us to create the best version of ourselves through a constant process of optimism, authenticity, and hard work.
Edited by Todd Krainin. Hosted by Nick Gillespie. Cameras by Jim Epstein and Krainin.

published:21 Apr 2017

views:29656

back

Why you should NEVER PAY COLLECTIONS AGENCIES EVER!!! Do this Instead!!

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

A panel of four experts on personal finance discuss the reasons why so many lower-income Americans can't find economic mobility because of low credit scores, de...

A panel of four experts on personal finance discuss the reasons why so many lower-income Americans can't find economic mobility because of low credit scores, debt and a lack of access to traditional lending.

A panel of four experts on personal finance discuss the reasons why so many lower-income Americans can't find economic mobility because of low credit scores, debt and a lack of access to traditional lending.

Declines in credit card debt are often misinterpreted because they fail to include information about charge-offs. The possible causes for a decline in credit ca...

Declines in credit card debt are often misinterpreted because they fail to include information about charge-offs. The possible causes for a decline in credit card debt are consumers paying down their debt, credit card companies writing charged-off debt off their books, or a combination of the two. Inclusion of charged-off debt can therefore significantly impact debt trends and the characterization of a nation’s financial health. For example, the $10.3 billion decrease in outstanding credit card debt in Q3 2010 relative to the previous quarter might at first glance seem to be a significant consumer pay down. However, considering that the Q3 credit card charge-off rate was $16.9 billion,[2] consumers actually increased their overall debt by $6.6 billion during this quarter.
Consumers also commonly pay down a large portion of their credit card debt in the first fiscal quarter of the year as this tends to be the time when people receive holiday bonuses and tax refunds.[5] However, credit card debt tends to increase throughout the rest of the year.[2]
Credit card debt is said to be higher in industrialized countries.[6] The average U.S. college graduate begins his or her post-college days with more than $2,000 in credit card debt.[7] The median credit card debt in America is $3,000 and number of cards held is two.
Account holders can request a reduction in their annual percentage rate (APR). A survey conducted by the U.S. Public Interest Research Group in March 2002 found that among its fifty participants, including people of all credit backgrounds, who contacted their credit card issuers, 56 percent received a lower APR. On average the percentage went from 16 percent to 10.47 percent.[9]
Due to the start of the Great Recession in December 2007, multiple credit card debt relief options became widely popular for consumers living in the U.S. with unsecured debt totaling over $5,000.
The various debt relief options available in the U.S. include:
Debt settlementDebt consolidationCredit counselingChapter 7 bankruptcy and Chapter 13 bankruptcy
Although each of these debt relief options deals with credit card debt specifically, they are also able to deal with other types of debt including personal loans, medical debt, accounts in collections and more (depending on the specific program type). Still, these programs have not been enough to help enough Americans get out of debt, resulting in a government call-to-action by economists for a massive debt bailout.[10]
Sometimes the late fees, high annual percentage rates (APRs), and universal default overcome consumers who frequently do not pay off their debt, and the customer declares bankruptcy. If a customer files for bankruptcy, the credit card companies are required to forgive all or much of the debt, unless such discharge of debt is successfully challenged by one or more creditors, or blocked by a bankruptcy judge on legal grounds irrespective of creditors' challenges.
Because forgiveness of debt reduces likelihood of profit and continued survival, the companies are generally willing to offer another deal to the consumers in danger of bankruptcy. This deal consists of reduced APRs, removal of past late fees and penalty charges, and reaging the accounts so that the credit agencies see them as late accounts.
http://en.wikipedia.org/wiki/Credit_card_debt

Declines in credit card debt are often misinterpreted because they fail to include information about charge-offs. The possible causes for a decline in credit card debt are consumers paying down their debt, credit card companies writing charged-off debt off their books, or a combination of the two. Inclusion of charged-off debt can therefore significantly impact debt trends and the characterization of a nation’s financial health. For example, the $10.3 billion decrease in outstanding credit card debt in Q3 2010 relative to the previous quarter might at first glance seem to be a significant consumer pay down. However, considering that the Q3 credit card charge-off rate was $16.9 billion,[2] consumers actually increased their overall debt by $6.6 billion during this quarter.
Consumers also commonly pay down a large portion of their credit card debt in the first fiscal quarter of the year as this tends to be the time when people receive holiday bonuses and tax refunds.[5] However, credit card debt tends to increase throughout the rest of the year.[2]
Credit card debt is said to be higher in industrialized countries.[6] The average U.S. college graduate begins his or her post-college days with more than $2,000 in credit card debt.[7] The median credit card debt in America is $3,000 and number of cards held is two.
Account holders can request a reduction in their annual percentage rate (APR). A survey conducted by the U.S. Public Interest Research Group in March 2002 found that among its fifty participants, including people of all credit backgrounds, who contacted their credit card issuers, 56 percent received a lower APR. On average the percentage went from 16 percent to 10.47 percent.[9]
Due to the start of the Great Recession in December 2007, multiple credit card debt relief options became widely popular for consumers living in the U.S. with unsecured debt totaling over $5,000.
The various debt relief options available in the U.S. include:
Debt settlementDebt consolidationCredit counselingChapter 7 bankruptcy and Chapter 13 bankruptcy
Although each of these debt relief options deals with credit card debt specifically, they are also able to deal with other types of debt including personal loans, medical debt, accounts in collections and more (depending on the specific program type). Still, these programs have not been enough to help enough Americans get out of debt, resulting in a government call-to-action by economists for a massive debt bailout.[10]
Sometimes the late fees, high annual percentage rates (APRs), and universal default overcome consumers who frequently do not pay off their debt, and the customer declares bankruptcy. If a customer files for bankruptcy, the credit card companies are required to forgive all or much of the debt, unless such discharge of debt is successfully challenged by one or more creditors, or blocked by a bankruptcy judge on legal grounds irrespective of creditors' challenges.
Because forgiveness of debt reduces likelihood of profit and continued survival, the companies are generally willing to offer another deal to the consumers in danger of bankruptcy. This deal consists of reduced APRs, removal of past late fees and penalty charges, and reaging the accounts so that the credit agencies see them as late accounts.
http://en.wikipedia.org/wiki/Credit_card_debt

May 10: Converting Credit Card Debt to Under 5% Interest

Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mo...

Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron delivers intelligent, entertaining radio that makes the hard news of the week easy to understand!
Ron will discuss: Game Plan for Savings; Method to Reduce Credit Card & Revolving Debt to under 5% interest, STRATEGICALLY; How to make Home Improvements without payments until Dec 2017; What moms look for when buying a house; MortgageRatesRemain at Historic Lows; These two things will eat up roughly 50% of your money in retirement; Real TimeReal Estate; Your CreditMatters; Mortgage Minute: Word on Wealth; and so much more
Ron Siegel, consumer advocate, and mortgage lender discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.
Reach Ron at
• 800.306.1990
• Ron@RonSiegelRadio.com
• www.RonSiegelRadio.com
• www.SiegelLendingTeam.com
• Twitter: @RonSiegel
• www.Facebook.com/RonSiegelRadio

Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron delivers intelligent, entertaining radio that makes the hard news of the week easy to understand!
Ron will discuss: Game Plan for Savings; Method to Reduce Credit Card & Revolving Debt to under 5% interest, STRATEGICALLY; How to make Home Improvements without payments until Dec 2017; What moms look for when buying a house; MortgageRatesRemain at Historic Lows; These two things will eat up roughly 50% of your money in retirement; Real TimeReal Estate; Your CreditMatters; Mortgage Minute: Word on Wealth; and so much more
Ron Siegel, consumer advocate, and mortgage lender discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.
Reach Ron at
• 800.306.1990
• Ron@RonSiegelRadio.com
• www.RonSiegelRadio.com
• www.SiegelLendingTeam.com
• Twitter: @RonSiegel
• www.Facebook.com/RonSiegelRadio

Credit reports and scores are no longer reserved for use by traditional lenders. Today, the data is also used by student loan lenders, insurance companies, utility providers, collection agencies, tenant screening companies, and employers, to help them decide whether to do business with you, and under what terms. New financial services products and processes — including prepaid debit cards, short sales and loan modifications — have complicated the issue with aggressive marketing (and mis-marketing). John Ulzheimer shares information about credit reports and credit scores, their use in 2014, as well as your considerable rights and protections under several federal statutes.

Credit reports and scores are no longer reserved for use by traditional lenders. Today, the data is also used by student loan lenders, insurance companies, utility providers, collection agencies, tenant screening companies, and employers, to help them decide whether to do business with you, and under what terms. New financial services products and processes — including prepaid debit cards, short sales and loan modifications — have complicated the issue with aggressive marketing (and mis-marketing). John Ulzheimer shares information about credit reports and credit scores, their use in 2014, as well as your considerable rights and protections under several federal statutes.

Ask the Expert: "How Much Credit Card Debt is Too Much?"

Carrying credit card debt is never recommended, but when you make a large purchase or series of purchases it can be inevitable. However, once you have month-to-month balances, how can you determine when you’ve crossed the threshold between having an manageable amount of debt and having so much debt that you need to consolidate or ask for help? ConsolidatedCredit’s EducationDirector April Lewis-Parks explains how know when you have too much credit card debt so you can make the right choices to move forward.
---------------------------------------------------------------------------------------------
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS
And remember to let us know your thoughts in the comments section below!
For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/
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Credit Card Debt: Danger in Your Wallet - ASK THE EXPERT

http://www.americanprogress.org/issues/2008/09/avoiding_overdrafts.html
Has the economic downturn affected Americans' credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP's ASK THE EXPERT series.

8:10

How To Start Paying Off Debt?

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressfu...

How To Start Paying Off Debt?

Dave Ramsey explains how to start paying off your debt. Paying down debt can be a stressful process and most people don't know how to start. Watch as Dave gives a step by step guide on how to pay off your debt with a proven plan.
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe
Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day.
The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

If you want to DESTROY DEBT and stay out of debt FOREVER, watch this video -
Get Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
we've got dozens of practical tips for you to start applying today.
Read the Full Article Here: https://moneysmartfamily.com/blog/7-ways-destroy-debt-youre-living-paycheck-paycheck/
MainPoints of the Video:
1:40 Step 1: Get Sick and Tired of Your Debt – Attitude is Everything
2:21 Step 2: Create a Game Plan
3:46 Step 3: Start Using a Money ManagementSystem like
- America’s Cheapest FamilyBudget System: http://bit.ly/acf_budget_book
- Mvelopes: https://www.mvelopes.com/
- Mint https://www.mint.com/
- Good Budget https://goodbudget.com/
5:23 Step 4: Get Your Credit Report Along with Your Credit Score
- Annual Credit Report gives 1 FREE credit Report (score has to be paid for) https://www.annualcreditreport.com/index.action
- Credit Sesame Credit Score free (no credit card required) http://bit.ly/credit_sesame
6:11 Step 5: Clean Up Your Credit Report
a. Money Management International negotiate with your creditors. http://www.moneymanagement.org/
b. Hiring a Credit RepairService such as Credit Repair dot com http://bit.ly/credit_repair_free_consult
- If creditors are posting old or inaccurate info on your Credit Report
- Get it fixed by talking with them / writing them or Hiring a pro – like CreditRepair.com
i. Part of Lexington Law – law firm.
ii. Experts in the credit laws.
iii. They have a 3-step process to clean up your credit.
Credit Repair will give you a FREE phone consultation to evaluate what they can do to help you.
9:17 Step 6 GenerateExtraCash
Sell unused, unneeded items
- Artwork
- Sporting equipment
- Extra Car
- Motorcycle
- RVs
- Tech – old gaming systems, computers
- DVD
- CD
- BOOKS
Collect unreimbursed Business expenses, Medical Reimbursements from HSA and FSA.
10:37 Step 7: Trim Unnecessary Expenses
- Spending less on groceries or reducing entertainment expenses such as movies and eating out.
Our Book, "Cut Your GroceryBill in Half, " https://moneysmartfamily.com/cut-your-grocery-bill-in-half/
- Auto insurance from GetMyInsurance (http://bit.ly/Get_My_Insurance) to see if you can get a lower rate. This could save you $50-$200 a month without impacting your lifestyle one bit.
Check out Trim to help you evaluate and reduce expenses (Free Service) http://bit.ly/Trim_App
Take one step at a time - you can be victorious in destroying debt forever, even if right now, you're living paycheck to paycheck.
Please leave a comment below if we can help you in any way!
Steve & Annette Economides - MoneySmartFamily.com
NY TimesBest Selling Authors and Speakers
Authors of America's Cheapest Family Gets You Right on the Money!
Learn more at http://www.MoneySmartFamily.com
Want More MoneySaving Ideas? Subscribe to our Channel https://goo.gl/vjS3zA

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

Americans Are Taking on Too Much Credit Card Debt & Here's Why

Total outstanding credit card debt is set to hit $1 trillion in 2016, a level not seen since 2008, when the financial crisis was heating up. During the first quarter of 2016, credit card debt stood at $951.6 billion, according to the Federal Reserve, nearing its all-time peak of $1.02 trillion in July 2008. But Brooke McGeehan, a vice president of financial planning at RBC Wealth Management, doesn't think the data suggests another credit crunch is brewing. 'We're in a much different place now than where were in July of 2008,' she said. 'In fact, we've spent the last eight years or so, both on a personal and corporate level, deleveraging balance sheets.' She also said consumer delinquency rates are at historic lows. As for why credit card debt is rising, McGeehan credits an improving labor market and the trend of more shoppers spending at online outlets, such as Amazon . 'The only way to pay online is via credit card,' she said. For those in debt, McGeehan suggests paying more than the minimum payment printed on the statement. 'If you only make the minimum payment, you're only paying the interest,' she said. 'You're not making a dent in the actual debt you have.' The minimum payment on a five-figure sum of debt may stand at just $35-$50 a month. McGeehan also advised focusing on the credit card with the highest interest rate, assuming you have multiple cards with balances. She also said credit card companies might lower the interest rate on the card, if you ask. 'They may also waive one of your late fees,' she said. Finally, McGeehan said it's crucial to develop an expense management plan. The way to track your spending is to write down all of your expenses. 'I think you'd be shocked to see what the outflows are that we're spending day-to-day,' she said, adding that a closer eye on smaller expenses can go a long way in paying off credit card debt. TheStreet's Scott Gamm has details from Wall Street.
Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV
For more content from TheStreet visit: http://thestreet.com
Check out all our videos: http://youtube.com/user/TheStreetTV
Follow TheStreet on Twitter: http://twitter.com/thestreet
Like TheStreet on Facebook: http://facebook.com/TheStreet
Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet
Follow TheStreet on Google+: http://plus.google.com/+TheStreet

8:05

Pros and Cons of Debt Consolidation

There are advantages to using debt consolidation as a means to managing financial strain, ...

Pros and Cons of Debt Consolidation

There are advantages to using debt consolidation as a means to managing financial strain, but there are also disadvantages to this debt strategy. We will cover much of that today, so you can better decide whether consolidating your credit card bills into a loan is the best option for you.
SHARE THIS VIDEO: https://youtu.be/uMVPMtrNx3w
WATCH MORE RELATED VIDEOS: https://goo.gl/p6IR8G
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For more tips on how to get out of debt,
SUBSCRIBE ➤➤➤ http://bit.ly/1ZPZ8Q2
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▼FOLLOW ME:
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▼READ OUR BLOG:
http://consumerrecoverynetwork.com
▼FIND YOUR DEBT SOLUTION:
http://consumerrecoverynetwork.com/debt-solutions-review/
▼ASK ME ANY QUESTIONS YOU HAVE:
http://consumerrecoverynetwork.com/ask-a-question/
(reader questions for our channel are selected from here)
Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

4:05

Can I Go to Jail for Not Paying Credit Card Debt?

Every few months, a story pops up on the news about a collection agency or even an overzea...

Can I Go to Jail for Not Paying Credit Card Debt?

Every few months, a story pops up on the news about a collection agency or even an overzealous creditor getting busted for threatening a debtor with jail for not paying a debt.
In November, 2014, for example, the ManhattanU.S. Attorney filed a criminal complaint against a Georgia collection agency called Williams, Scott & Associates for using threats of incarceration to intimidate frightened consumers in to making payments. You can read the USA Today report about this case at http://goo.gl/dN96aV.
There is no such thing as “debtor’s prison” in the United States. You cannot be thrown in jail for refusing or failing to pay a credit card debt.
Bill collectors who make these kind of illegal threats are committing a crime and they are in violation of the Fair Debt Collection Practices Act, which could give rise to money damages.
Bill collectors and creditors can use the telephone to demand payment from you. And they can sue you civilly (for money damages) if you do not pay.
=====FREE DEBT DESTROYER SURVIVAL KIT====
Don't know where to begin? Download my free
"DebtDestroyer" Survival Kit at
https://bit.ly/BK-survival-kit
=========================================
===========FREE CASE EVALUATION==========
If you would like me to analyze your finances
please contact me at
https://bit.ly/Contact-Gins
==========================================
===============CONTACT ME=================
Jonathan Ginsberg
Atlanta Bankruptcy Attorney
Website: https://www.atlanta-bankruptcy.com
Facebook: https://www.facebook.com/ginsberglaw/
Telephone: 770-393-4985
https://bit.ly/Contact-Gins
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Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.
In theU.K. you can appoint an Arbiter or legal entity to negotiate with the creditors. Creditors often accept reduced balances in a final payment and this is called full and final settlement but with debt settlement the reduced amount can be spread over an agreed term.
Debt settlement is often confused with debt consolidation or debt management. In debt consolidation and debt management, the consumer makes monthly payments to the debt consolidator, who takes a fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments, out of which the debt settlement company takes its fees for the legal work or negotiation and payments are paid to the creditor. Unlike U.K. debt management there are no monthly management fees, the debt settlement company may get the creditor to accept a settlement of 40 pence in the pound, but the client pays 50 pence in the pound. The debt settlement company benefit from the extra 10 pence in this case.
In the U.K. creditors such as banks, credit card, loan companies and other creditors are already writing off huge amounts of debt. Most creditors are open to negotiations and are willing to accept reductions of 50% or more. Debt settlement allows the public to spread payments out over a set term - instead of having to pay a lump sum in one go which is the case with Full and FinalSettlement.
Many people are taking advantage of Debt Settlement instead of conventional Debt Management because they have not seen debt management offer the benefits sold to them.
U.K. debt settlement is not to be confused with full and final settlement where debt management companies have been known to hold onto client funds in which case the creditors get nothing until they decide to settle. Furthermore, the debt management company usually instructs the consumer not to make any payments to creditors. The intended effect is to scare creditors into settling the debt for less than the full amount. Typically, however, creditors simply begin collection procedures, which can include filing suit against the consumer in court.[2] As long as consumers continue to make minimum monthly payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest.[1] This practice of holding client funds is regarded as unethical in the U.S. and U.K.
U.S. debt settlement differs slightly. There are several indicators that few consumers actually have their debt eliminated by full and final settlement. A survey of U.S. debt settlement companies found that 34.4% of enrollees had 75 percent or more of their debt settled within three years.[3] Data released by the Colorado Attorney General showed that only 11.35 percent of consumers who had enrolled more than three years earlier had all of their debt settled.[4] And when asked to show that most of their customers are better off after debt settlement, industry leaders said that would be an "unrealistic measure." [5]
Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies. In a New York Times article Cyndi Geerdes, an associate professor at the University of Illinois law school, states "Done correctly, (debt settlement) can absolutely help people". However, stopping payments to creditors as part of a debt settlement plan can reduce a consumer's credit score from 65 to 125 points, with higher impacts on those who were current on their payments prior to enrolling in the program. And missed payments can remain on a consumer's credit report for seven years even after a debt is settled.
Some settlement companies may charge a large fee up front, which ignores a rule from the Federal Trade Commission.
Or they take a monthly fee from customer bank accounts for their service, possibly reducing the incentive to settle with creditors quickly. One expert advises consumers to look for companies that charge only after a settlement is made, and charge about 20 percent of the amount by which the outstanding balance is reduced. Other experts say debt settlement is a flawed model altogether and should be avoided.
http://en.wikipedia.org/wiki/Debt_settlement

31:00

How The Economic Machine Works by Ray Dalio

Economics 101 -- "How the Economic Machine Works."
Created by Ray Dalio this simple but n...

How The Economic Machine Works by Ray Dalio

Economics 101 -- "How the Economic MachineWorks."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the question, "How does the economy really work?" Based on Dalio's practical template for understanding the economy, which he developed over the course of his career, the video breaks down economic concepts like credit, deficits and interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.
To learn more about Economic Principles visit: http://www.economicprinciples.org.
[Also Available In Chinese] 经济这台机器是怎样运行的: http://www.youtube.com/watch?v=-ZbeYejg9Pk
[Also Available In Russian] Как действует экономическая машина. Автор: Рэй Далио (на русском языке): http://youtu.be/8BaNOlIfMLE

27:51

Credit Secret Review Larry King Special Report

In this all new Larry King Special Report: "Is Your Credit In Crisis?" host Larry intervie...

The Economics of Private Banking

This creative reveals how private bankers are using their credit-debt system to enslave and control the.middle-class. It's no wonder experts are fearing a global economic collapse.
It's important to understand how to protect yourself from hyper inflation. Never before in history has education on this subject been more important. I've posted some videos for you to do as the wealthy are doing, by investing into precious metals ...see my Silver opportunity videos, and learn about real money and how to protect and insure yourself from hyper-inflation.
SUBSCRIBE share these videos and some ZebraUnity. Together we can be the voice for monetary reform.Together we can forgive the "debtor' ..as will our debts be forgiven!
Anonymous Follows The MoneyTrailhttp://www.youtube.com/watch?v=43OcaL96tKk
The Banksters | Our RealEnemy
http://www.youtube.com/watch?v=pAt_NRDprpc
Oh Canada... Our Bought & SoldLand!!
http://www.youtube.com/watch?v=xH7TbObZBmU
BillStill'sWizard of OzDocumentary
http://www.youtube.com/watch?v=3VNcnxj2Dr8
Private Banking = Financial Armageddon
http://www.youtube.com/watch?v=ysqSMtRGj-E
The Government Can by Tim Hawkins
http://www.youtube.com/watch?v=9w0JiHjQrP0
Don't forget to vote, subscribe and share your thoughts.

2:09:51

Monkeynomics 101: Complete Investments Series

This is my entire Monkeynomics 101 series pertaining to investments in a single video! Som...

OPP43 Landon Stewart - From $30K in Debt to $30K a Month Using One Primary Strategy

OnlinePlaymakerSessionsEpisode 43 with young online affiliate marketer and funnel expert Landon Stewart - http://onlineprofitplaybook.com/ep43-landon-stewart
Landon got his first taste of entrepreneurship as a 19 year old kid when he dropped out of college to start a network marketing business. His youthful ambition and excitement was short lived when the struggle and challenges of building the business set in.
At 22, while his friends were graduating college and getting jobs, Landon was a college dropout, living with his mom, with tens of thousands of dollars in credit card debt.
But everything changed for Landon when he found his mentor and he began developing his skills in copywriting, influence and communication. The next year, Landon had his first 6 figure income year as an internet marketer. Since then Landon has been able to travel the world, speak at internet marketing events, sell hundreds of thousands of dollars of products online and create sales funnels that have made as much as $120,000 in just 30 days. Landon is passionate about training other entrepreneurs to harness the internet to become a full time lifestylepreneur.
What You Will Learn in this Episode:
- how Landon went from being a college drop out, living with his mom, in $30,000 of credit card debt to finally earning a 6 figure income online
- the biggest lesson Landon learned from his years of struggle in network marketing and how it helped him to breakthrough in his business
- the BIGGEST mistake most online marketers make and why its the reason that holds so many online marketers back from creating results - and how to solve it
- how Landon finally created his massive breakthrough by focusing on developing his craft and the specific habits and actions he took on a daily basis
- the Facebook marketing technique Landon has been using since 2013 to create incredible results and how he is still using the same strategy today
- the 2 big challenges that the majority of new marketers face and how to easily and quickly solve these 2 challenges
- Landon’s 3 step advice to guarantee you create a breakthrough in your business in the next 30 days
Get all the show notes, transcription and resources on the blog:
http://onlineprofitplaybook.com/ep43-landon-stewart
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Join the Inner Circle and download the closely guarded marketing playbooks of top marketers:
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FREE WORKSHOP: The MostEffectiveMarketing StrategyUsed by ALL Top Online Marketers to Get More Traffic, Leads & Sales and Create a 6, 7 and Even 8 Figure Online Business
REGISTER: http://onlineprofitplaybook.com/ogfwebinar-yt
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The ONLINE PLAYMAKER SESSIONS
This is the place for the latest “what’s working right now” strategies with the hottest online playmakers, the top marketers and new rising stars who are making it happen.
You’ll get real actionable lessons that you can take and apply immediately in your business, delivered in short 30 minute sessions.
Our focus is your results.
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ENGAGE & CONNECT:
** Subscribe to the podcast on iTunes: http://OnlinePlaymakerSessions.com/subscribe
** Subscribe to our YouTube Channel: https://www.youtube.com/c/TheOnlinePlaymakers?sub_confirmation=1
** Join the Online Playmakers and download their closely guarded playbooks: http://onlineprofitplaybook.com/innercircleyt
** Watch all of the episodes: https://www.youtube.com/playlist?list=PLgUCofeboMkhglnmlkP29BiTUWmHqLx9N
** Connect with the community on Facebook: https://www.facebook.com/The-Online-Playmakers-1681872428702391
FREE TRAINING:
** Get My 5CriticalElementsFormulaVideo Tutorials: http://onlineprofitplaybook.com/5step-formulayt

Ask the Experts Your Credit

SmartCredit.com's John Ulzheimer joins Jill Schlesinger and Jack Otter to talk credit cards and credit scores. He reports that more card companies are beginning to court subprime borrowers, and discusses the pros and cons of pre-paid debit cards.

37:27

James Altucher Found Himself by Losing Everything (and You Can Too!)

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's...

James Altucher Found Himself by Losing Everything (and You Can Too!)

James Altucher has rebounded from personal catastrophe so many times in his 49 years, it's hard to imagine a more qualified evangelist for personal reinvention. During the dot-com boom of the 1990s, Altucher made millions designing corporate websites, only to squander it all on gambling and a string of disastrous investment decisions. "I was probably losing about a million [dollars] a week for an entire summer," he tells Reason's Nick Gillespie. "I just made every stupid decision in the book."
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Subscribe to our YouTube channel: http://youtube.com/reasontv
Like us on Facebook: https://www.facebook.com/Reason.Magazine/
Follow us on Twitter: https://twitter.com/reason
Subscribe to our podcast at iTunes: https://goo.gl/az3a7a
Reason is the planet's leading source of news, politics, and culture from a libertarian perspective. Go to reason.com for a point of view you won't get from legacy media and old left-right opinion magazines.
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With $143 left in his bank account, Altucher contemplated suicide. "I equated my self-worth with my net worth," he says, "and I just figured there's no way I'm going to dig myself out of this hole."
Instead of self-destruction, Altucher created himself anew. He dedicated himself to learning about finance, reading over a hundred books about investing. He built a new career as a hedge fund manager, earning writing gigs at TheStreet.com and The Financial Times.
The real estate crisis of 2008 wiped the slate clean. Finding himself with nothing to lose yet again, Altucher began blogging about his riches-to-rags-to-riches-again life story, eventually writing books—18 of them so far—for an audience that had felt the sting of the recession.
Crawling out of the abyss a few times has made Altucher wary of the American Dream. A Cornell and Carnegie Mellon graduate, he scorns higher education as an overpriced luxury. Home ownership is great for the banks, but a lousy deal for home owners. Hedge funds are a scam. He's never had credit card debt because he's never had a credit card.
In keeping with his philosophy of radical self-creation, Altucher's latest identity is a 21st century urban ascetic. He has pared down his possessions, discarding every item he doesn't need. He is determined that nothing get in the way of his chosen life, his best self. Today, he lives in AirBnB rentals and owns fifteen things that he carries in a small canvas bag.
Altucher's self-published book about the art of self-creation, ChooseYourself! Be Happy, Make Millions, Live the Dream, charts his life story, detailing how he bounced back, time and again, from disasters personal and financial. Equal parts self-help manual, cautionary tale, and tell-all autobiography, Choose Yourself! challenges us to create the best version of ourselves through a constant process of optimism, authenticity, and hard work.
Edited by Todd Krainin. Hosted by Nick Gillespie. Cameras by Jim Epstein and Krainin.

34:27

Why you should NEVER PAY COLLECTIONS AGENCIES EVER!!! Do this Instead!!

Start here with Hustler's Kung Fu University courses.
Say you do not have much money her...

Martin Lewis on Debt Problems: Where to start and what to do

Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "DebtCrisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSEForum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

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In August 2016, a research plane was able to observe something strange in the atmosphere above Alaska's Aleutian Islands, lingering aerosol particle that was enriched with the same kind of uranium used in nuclear fuel and bombs, according to Gizmodo. The observation was the first time that scientists detected a particle free-floating in the atmosphere in over 20 years of plane-based observations ... ... -WN.com, Maureen Foody....

ADDIS ABABA, Ethiopia (AP) -- Ethiopia's defense minister on Saturday ruled out a military takeover a day after the East African nation declared a new state of emergency amid the worst anti-government protests in a quarter-century. The United States said it "strongly disagrees" with the new declaration that effectively bans protests, with a U.S ... He also ruled out a transitional government ... Learn more about our and . ....

One day in August 1995 a man called Foutanga Babani Sissoko walked into the head office of the Dubai Islamic Bank and asked for a loan to buy a car. The manager agreed, and Sissoko invited him home for dinner. It was the prelude, writes the BBC's Brigitte Scheffer, to one of the most audacious confidence tricks of all time. Over dinner, Sissoko made a startling claim ... With these powers, he could take a sum of money and double it ... ....

MEXICOCITY. A strong earthquake shook southern and central Mexico Friday, causing panic less than six months after two devastating quakes that killed hundreds of people. No buildings collapsed, according to early reports. But two towns near the epicenter, in the southern state of Oaxaca, reported damage and state authorities said they had opened emergency shelters ... It was also felt in the states of Guerrero, Puebla and Michoacan ... AFP ... ....

Mexico City – A military helicopter carrying officials assessing damage from a powerful earthquake crashed Friday in southern Mexico, killing 13 people and injuring 15, all of them on the ground. The Oaxaca state prosecutor’s office said in a statement that five women, four men and three children were killed at the crash site and another person died later at the hospital ...Alejandro Murat, neither of whom had serious injuries ... The U.S ... ....

Experts said, for the safety of children, parents need to be booked to curb the menace of underage driving ...Only if parents start getting booked because of the offence, the menace can be curbed,” said Vinod Kumar Kanumala, founder of IndianFederation of Road Safety and traffic expert ... report ‘small, non-fatal accidents,” added the expert....

The Philippines has given "too much, too early and too soon" in seeking rapprochement with China and may end up with the short end of the stick, a maritime lawexpert warned on Saturday ... a year [and] we have not seen one project break ground," said Batongbacal, one of the experts who helped the government win its claim to Philippine (Benham) Rise....

The Philippines has given "too much, too early and too soon" in seeking rapprochement with China and may end up with the short end of the stick, a maritime lawexpert warned on Saturday ... a year [and] we have not seen one project break ground," said Batongbacal, one of the experts who helped the government win its claim to Philippine (Benham) Rise....

NEW YORK... And many ended up doing exactly what the experts were recommending. hold steady ... Younger investors led the charge into stocks ... Experts typically recommend that investors stay the course when stocks go through a bout of volatility ... ....

Kathmandu, February 17... To be at par with the average figures of other least developed countries, Nepal requires to increase its FDI inflow to $800 million from the current $100 million, according to experts ... Experts have suggested the government to provide online company registration and FDI approval facility to foreign ... ....

He went on to suggest that “farm families are incredibly resilient, but some members may want to take advantage of helpful programs where they can talk with experts about work and financial stress, depression and anxiety, grief counseling, substance abuse and family relationship issues.” ... Experts suggest that financial pressures, isolation and challenges in accessing health-care facilities are among the factors....

However, the decision remained on paper ... We cannot catch hoteliers and shopkeepers for something which they are not responsible for ... It is in this context that experts say the cash award scheme could have helped in checking adulteration ... &nbsp; ... Experts say complaints of adulteration of food products including curry powder, chilly powder, coriander powder, turmeric powder, atta, maida and wheat are on the rise ... ....

KOLKATA. Legalexperts in Kolkata have a nuanced view of change of religion. They are against organizing conversion and its public display — like it happened on Rani Rashmani Avenue three days ago — but not against any individual’s opting for change of religion. “The Constitution doesn’t provide for organizing conversion though it guarantees freedom of religion,” said Constitutionexpert and lawyer Samaraditya Pal ... ....

Only the hardest of hearts would not feel sympathy for Girls creator, Lena Dunham, right now ... My first reaction was shock – Dunham is a young woman. did she really have to do something so final? (She writes in the article about her sadness about not being able to carry a child.) In other coverage, experts (and the not-so-expert) expressed consternation – it wasn’t even certain that the hysterectomy would eliminate all the problems ... ....

A farmer uses a mobile app while working in a rice field on the outskirts of Yangon... Chat forums are connecting farmers, allowing them to swap tips while experts are on hand to answer queries ... "'Green way' is my dream to link farmers and experts," Yin Yin Phyu told AFP ... - Field work -. Greater productivity at Myanmar's farms could reshape both its economy and society, says 71-year-old agricultural expert Myo Myint ... ....

While an agreement on how to handle the issue has yet to be made, experts warn of unprecedented challenges as some countries refuse to accept these fighters back into their home countries or are unprepared to deal with them in their criminal justice systems ...Experts say there is also the issue of lawsuits and legal actions against countries for allowing their citizens to be kept in captivity overseas....